High-Yield Checking Account
An Outstanding Yield Plus ATM Fee Rebates
A Real Deal... Really!

Earn an outstanding yield, enjoy convenient electronic access and even get rebates on ATM fees from other financial institution ATM machines.

The High Yield Checking Account pays 2.68% annual percentage yield - it's the high rate checking you want. You get the high interest dividend of a certificate account with the convenience and easy access of a checking account.

• High Yield – higher than most Certificate or Money Market Accounts -currently 2.68% Annual Percentage Yield (APY)
• Convenient – use Online Banking, Online Statements and Bill Payer – FREE
• Affordable – no monthly or annual fee to own this account, other fees may apply
• Generous – get up to $20 back each month for non-Eastern ATM fees (U.S. currency ATMs) plus Eastern Financial Florida Credit Union, a division of Space Coast Credit Union, ATM fee rebates
• Pays High Yield Bonus totaling 2.68% APY on balances up to $25,000 and pays yield of .50% APY on balances above $25,000 if monthly requirements are met
• Overdraft Privilege (ODP) optional
• Optional overdraft protection available
• Free Bank-By-Phone account access – anytime, anywhere
• Free MoneyPlus debit card

Account Requirements - easy as 1-2-3:

1. Use your MoneyPlus debit card a minimum of 12 times per month for purchases. Twelve transactions or more must be processed or posted within the month to be eligible. Be aware that purchases made on the last few days of the month may not post until the following month. Check your current eligibility online in the Online Statements section of Online Banking.

2. Initiate and have posted one Direct Deposit or an electronic automatic transaction each month. (Transfers between your existing EFFCU accounts do not satisfy this requirement). Electronic transactions may be made on any EFFCU account on which you are listed as primary owner. Most Bill Payer payments qualify.

3. Sign up to receive your statements electronically within 10 days of opening your account. Instructions below:

 A. Sign on to Online Banking with your member number and PIN. If a first time user, click the first time user information link.
 B. Click on the Online Statements link in the main navigation panel.
 C. Read the acceptance statement and click SUBMIT to accept online statements.
 D. Your first statements available online will appear after the first day of the next month. To check current eligibility you may check online statements starting the day after enrollment in the same location (Online Statements section of Online Banking.)

Fine Print:

Members can check eligibility status online using Online Banking in the Online Statements section. See Account Disclosures for other details. If you are looking for a high rate checking account, look no further.

Read Frequently Asked Questions


NEXT STEPS:

I am already a Member and want to convert my existing checking account.
Choose one of the following options:

1. Print the Account Switch Form - click here - to get a PDF copy of the form. 
 Fax form to (954) 704-5635 -or- mail form to: 
 High Yield Switch Form
 Eastern Financial Florida Credit Union
 Retail Operations
 3700 Lakeside Drive
 Miramar, FL 33027

2. Call the Phone Contact Center during business hours:
 (305) 882-5000
 (954) 704-5000
 (800) 882-5007

3. Visit your nearest branch office

Please allow up to three working days to convert the account. You may continue to use your existing checks and MoneyPlus card.

I am already a Member but I do not yet have a checking account.
Choose one of the following options:

1. Visit your nearest branch office to open a High Yield Checking Account

2. Print the Account Opening documents and mail to
 High Yield Checking
 Eastern Financial Florida Credit Union
 Retail Operations
 3700 Lakeside Drive
 Miramar, FL 33027

I am not yet a Member but I want to open a High Yield Checking Account now
Choose one of the following options:

1. Visit your nearest branch office to open a High Yield Checking Account

2. Print the Account Opening documents and mail with Identification document copies to
 High Yield Checking
 Eastern Financial Florida Credit Union
 Retail Operations
 3700 Lakeside Drive
 Miramar, FL 33027