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Standard Checking

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Our Standard Includes Lots of Extras

Education First's "Standard Checking" sets high standards. Unlike other Southeast Texas financial institutions, we don't charge fees for basic services and ATM access. We also pay dividends on checking accounts, a rarity among financial institutions. Our commitment to giving you 24/7 access to your money is unparalleled.

No fees. Dividends that please. Digital access that is a breeze.

Low fees and monthly dividends are just the beginning. Education First's Standard Checking Accounts offer countless ways to access and manage your money. Pay bills online. Use your smartphone to make deposits. Set up overdraft protection. 

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Account Highlights

It doesn't take much money to open a Standard Checking account. And it costs even less to keep it going.

  • Just a $25 minimum opening balance
  • No monthly service charge
  • Dividends paid monthly on balances of $2,000
  • Online banking that offers 24/7 Digital Branch access
  • Unlimited check writing and withdraws
  • Protect yourself from overdraft charges with Courtesy Pay.
  • Enjoy the convenience of direct deposit or payroll deduction into your checking account.
  • Federally insured up to $250,000 by the National Credit Union Association.

Ready to Open Your Account?

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Checking Account Guide

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Education First FCU totalREWARDS debit card

totalREWARDS Debit Cards

There's no need to carry around stacks of cash. An Education First totalREWARDS debit card is your ticket to instant purchasing power and the option to earn points for travel, gift cards, merchandise or cash back on all purchases.*

  • totalREWARDS debit card that earns you points on every signature-based and online purchase.*
  • Instant Issue technology that gives you access to your new debit card in minutes at any of our convenient locations in Southeast Texas.
  • Keep your card safe and secure with easy-to-use Card Management controls.
  • Easy access to fee-free ATMs, wherever you are.

So, what are you waiting for?

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Track your spending by category. Set a savings goal. Create a budget and stick to it. Invest a few minutes of your time on set-up and your finances will thrive.

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Handy Tools at Your Disposal.

Calculate your budget, see and compare the latest rates and discover what perks you gain for being a member of Education First Federal Credit Union.



Calculate the best loan amount that fits your budget.

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Check current rates and find out which ones adhere to your loan type.

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Member Perks

When you want a better place to hold your accounts and grow your money, Education First is at the head of the class.

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Have Questions? We're Here to Help.

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