Skip to main content
Erie Federal Credit Union Logo
CHECKING
Our care “free” checking options will have you smiling.
Open a Checking Account

Checking worth "Checking Into"!

Ready to make the break from high banking fees? At Erie FCU, you’ll love our checking options! Our FREE Checking is really free with absolutely "no strings" attached and our Dividend +Plus Checking can earn you money monthly! Both come with free mobile banking, chip debit cards, and Mobile Deposit.

Make the switch and we’ll have you banking happily ever after!

Free Checking that's really FREE! (For real. We're not kidding)

You'll love our "no strings" FREE Checking!  Get the peace of mind your busy lifestyle needs! No "gotchas" or surprises | no hidden fees.  Enjoy great checking with the same bells and whistles as the big banks. 

  • No minimum daily balance
  • No monthly maintenance fee
  • Free Mobile Deposit for iPhone & Android
  • Free Checking is just that - FREE, regardless of your balance, or other credit union services you use.

Dividend +Plus* Checking earns you money monthly!

Like earning money with your checking?  Who doesn't...right?  Our Dividend +Plus Checking earns you 2.53% APY monthly for doing many of the things you are already do!  That is over 30 times better than the National Bank Average***!

Earn more than average - because you’re more than average!

See if Dividend +Plus Checking is right for you!  

Enjoy with both Checking Options

  • FREE 24/7 account access with Mobile and Online Banking
  • FREE Debit Mastercard®.
  • Local ATM locations with 38,000 ATMs shared nationally.
  • Overdraft protection and more!


Checking Comparison Chart

Benefits Dividend +Plus Checking Premium Checking Free Checking
Earns Interest Yes Yes No
Minimum Balance Requirement No No No
Minimum Average Daily Balance Required to Earn Higher Dividend $500.00 No No
Free Basic Credit Union Checks Limit 2 boxes per primary members SSN# per year 1 box with Direct Deposit of Net Pay2 Boxes with Social Security or Pension Direct Deposit 1 box with Direct Deposit of Net Pay2 Boxes with Social Security or Pension Direct Deposit 1 box with Direct Deposit of Net Pay2 Boxes with Social Security or Pension Direct Deposit
Monthly Service Fee A $2 per month fee if monthly requirements are not met Yes $2 per month No
Additional Monthly Requirement EZ e-Statements, Min. of 1 EZ Bill Payment posted & Min. of $250.00 in PIN and/or Signature Debit Card purchases posted each calendar month. (ATM transactions do not apply) No No
Overdraft Protection Options Yes Yes Yes
Nationwide Shared Branch Access(SM) Yes Yes Yes
Monthly Statement/ Paper or e-Statement Yes Yes Yes
Free 24/7 Account Access EZ Money Manager EZ Phone, EZ Mobile EZ Alerts, EZ Bill Pay Yes Yes Yes
Free Debit MasterCard® TransactionsPin/Signature/ATM Yes/15 PIN or Signature transactions per day Yes/15 PIN or Signature transactions per day Yes/15 PIN or Signature transactions per day
Free Erie FCU ATM Withdrawals/Inquiries Yes/$400 withdrawal limit per day Yes/$400 withdrawal limit per day Yes/$400 withdrawal limit per day
Free Erie FCU ATM Deposits Yes/Unlimited Yes/Unlimited Yes/Unlimited
Non-Erie FCU ATM Withdrawals 4 free per month- $1.50 fee per withdrawal after 4 4 free per month- $1.50 fee per withdrawal after 4 $1.50 fee per withdrawal
Non-Erie FCU ATM Inquiries $.75 per inquiry $.75 per inquiry $.75 per inquiry

Switching your checking account shouldn't be a hassle. We'll assist you in changing your automatic payments, transfers and direct deposits to your Erie FCU Checking Account.

*When requesting information regarding a product or service via email, please do not include any personal or sensitive account information.

Learn about our High Dividend Yielding Checking Account

A Dividend +Plus Checking Account Makes Sense For You!

Feel like your current checking account isn’t returning the favor? Open a Dividend +Plus Checking Account today and start earning dividends. It's easy, we'll show you how.

Learn more about Dividend Plus Checking


Erie FCU Debit Card Stock Image

Debit Mastercard®

Worldwide access to your Checking Account.

  • Point-of-sale purchases
  • ATM Access
  • ATM Locations
  • Balance Inquiries
  • Deposits
  • Withdrawals

Register Your Debit Card with SecureCard


Godirect Web

Go Direct With Direct Deposit

Direct deposit is the best way to receive your Social Security, SSI, VA Compensation, Pension and Payroll. Direct Deposit allows immediate access to funds, eliminates the risk of stolen checks and reduces your exposure to fraud.

To learn more about the benefits of Direct Deposit log on to www.electronicpayments.org or contact your employer to request Direct Deposit.

Click here if you need to download and print one of our Direct Deposit Forms.


Account Overdraft: Guard against the cost of accidental overdrafts

  • Link your checking account to one of your savings accounts
  • Transfers in $50.00 increments

Click here to view current overdraft option fees.


Note: Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.

Fields marked with * are required.

Best method of contact

Best time to contact you


The checkbox above helps us decrease spam form submissions.