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Lots of financial institutions boast of free checking. But you undoubtedly find features that make them anything but free.

No Gimmick Checking

  • No minimum balance
  • No monthly service charges
  • No per-check fees


Visa® Debit Card

Accepted wherever Visa debit cards are used, use your EPFCU Visa Debit Card for nearly all your day-to-day transactions. Funds are automatically deducted from your checking account. Plus, your Visa Debit Card doubles as an ATM Card — withdraw cash, transfer balances and make deposits at applicable ATMs. Find a surcharge-free ATM near you.

Protect Your Visa Online

Offered by Visa USA, Verified by Visa is an additional layer of security when using your Visa card online. By confirming your identity with an extra password, Verified by Visa helps eliminate fraud and protect you and your personal information. The service is Free and only requires registration. Learn more about Verified by Visa.

Overdraft Protection

Overdrafts occur when there are not enough funds in your checking account to cover a check, an ATM withdrawal, or a debit purchase. If your account is short when an item is presented for payment, we will first attempt to transfer from your savings to cover the item, not to exceed the six transfers per month limit under Regulation D. We offer two ways to protect yourself should your savings not cover the overdraft.

Overdraft Line of Credit

You can establish a Personal Line of Credit to be used as overdraft protection on your checking account. When needed, we will issue a loan advance to cover the overdraft. If your line of credit has reached its limit, we will attempt a transfer from your savings and your account will be charged a $2 fee. You can also access your line of credit for large or special purchases. Apply for a Personal Line of Credit

Overdraft Privilege

When you opt in for our Overdraft Privilege service, we may pay your overdraft checks and some other overdraft transactions* up to a predetermined amount, as well as overdrafts created from everyday ATM and debit card transactions. Your account will be assessed our standard $30 Overdraft Privilege Fee for handling of each item paid; however, you will avoid the embarrassment of being turned away at the cashier or incurring additional merchant fees for returned checks.**

If you do not opt in for Overdraft Privilege, we will not honor the overdraft and your account will be charged a $35 per item NSF fee.

Opt in for Overdraft Privilege for debit card and everyday ATM transactions by calling Member Services at 202-874-3210, Option 3; or submitting a Debit Card/Everyday ATM Transactions Overdraft Privilege Opt-In Form.

Relationship Rewards

Earn additional free services and exclusive quarterly special offers when you make the most of your membership. Simply maintain an active checking account with debit card, direct deposit and online banking, and maintain a combination of savings and loan balances equal to $2,500. Find out how to get Relationship Rewards.

Get started today:

*These transaction types include the following: checks, drafts, Electronic Funds Transfers (EFTs), automatic bill payments, and any other transactions made using your checking account number.
**The total of the discretionary Overdraft Privilege (negative) balance, which includes any and all fees and charges, including all non-sufficient funds/overdraft fees, is due and payable upon demand. This privilege for checking accounts will generally be limited to a maximum overdraft (negative) balance of $700. Any and all fees and charges, including without limitation NSF Fees, will be included as part of this maximum amount.
***When reordering checks for your credit union checking account, be sure to use all preceding zeroes when entering your account number. That's a common mistake! Your entire account number appears at the bottom of each check.
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EP Federal Credit Union

As a not-for-profit financial cooperative, we are able to offer low-rate loans, competitive savings and conveniences with lower or no fees. You contribute directly to the well-being of the credit union simply by taking advantage of these beneficial services.

As a not-for-profit financial cooperative, we are able to offer low-rate loans, competitive savings and conveniences with lower or no fees. You contribute directly to the well-being of the credit union simply by taking advantage of these beneficial services.

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