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Standard Checking

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Standard Checking That Works for You

At Education First, our Standard Checking account raises the bar. While many financial institutions in Southeast Texas charge fees for everyday services, we don’t. Enjoy free basic services, free ATM access, and even dividends on your checking balance—a rare benefit you won’t find anywhere else.

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No fees. Dividends that please.

Enjoy low fees and monthly dividends with Education First's Standard Checking Accounts. Easily manage your money with online bill payments, smartphone deposits, and overdraft protection.

Personal Checking Benefits:

  • Easy to Open: Start with a $25 minimum opening balance.
  • No Monthly Fees: Enjoy your account with no monthly service charges.
  • Overdraft Protection: Avoid unexpected fees with our Courtesy Pay service.
  • Unlimited Transactions: No limits on checks and withdrawals.
  • Easy Deposits: Use direct deposit or payroll deduction.
  • Your money is federally insured up to $250,000 by the NCUA.
Open a Checking Account

Personal Checking Account

Minimum to Open Account Minimum to Earn Dividend Dividend Rate APY
$25 $2,000 0.05% 0.05
*APY - Annual Percentage Yield. Fees could reduce earnings on this account.

Account Highlights

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

Mobile & Online Banking
Mobile Wallet
Courtesy Pay
Card Management
Order Checks
E-statements
iThrive
total Rewards
Boost!
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totalREWARDS Visa® Debit Card

Education First's Standard Checking Account comes with a totalREWARDS debit card that lets you earn points or cash back when you spend.

  • Instant Issue Debit Cards: Get a new card in minutes at any of our locations.
  • Mobile Wallet Ready: Add your totalREWARDS Visa® to your mobile wallet for quick and secure payments.
  • Versatile Spending:  Use your debit card for easy ATM withdrawals and in-store purchases.
  • Widespread Acceptance: Shop anywhere your card’s network logo is displayed.
  • Smart Card Management:  Manage alerts and spending limits easily with our app.
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iThrive

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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*Education First credit card purchases earn points automatically. To earn points for purchases made using your totalREWARDS debit card, simply 1) Sign-up for secure eStatement delivery easily via Online Banking, and 2) Have a direct deposit of $500 or more each month into your Education First checking account OR use your debit card for 20 signature based purchases each month. TotalREWARDS Terms and Conditions.  

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.

 

Calculators

Calculate the best loan amount that fits your budget.

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Rates

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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