(216) 920-2000

Member Benefits and More

Advantage Checking

Get unlimited check writing and free use of Webster Bill Pay to pay bills online

No monthly service charge, minimum balance requirement or transaction fees

Balances of $1,000 or more earn dividends and 8 free ATM transactions per month

Overdraft protection available

Apply for a MasterCard Debit Card or an ATM Card to access your funds

Direct deposit from payroll and automatic debit payment are available

Deposit $1,000 or more to get:

  • Interest Rate: .02%
  • APY: .02%

Advantage Plus Checking

All the benefits of Advantage Checking

Earn dividends monthly

$1,500 minimum balance required

Deposit $1,500 or more to get:

  • Interest Rate: .02%
  • APY: .02%

Refresh Checking

Want a Checking Account with paper checks and a Debit MasterCard but you’ve been:

  • listed on Chex Systems or with TeleCheck?
  • previously declined because an account was closed for unpaid overdraft fees?

Everyone deserves a fresh start. Refresh Checking can help get you back on the right track. Refresh Checking has been completely redesigned, requires no minimum balance and offers:

  • a Debit MasterCard to make purchases and get cash at ATMs surcharge-free paper checks
  • access your account online using Home Banking

A $10 monthly service fee applies and direct deposit of payroll is required.

Get started today by calling 216-920-2000 to speak with a Member Service Representative.


* To be eligible, any ChexSystems or Telecheck history must be at least 3 months old and unpaid balances can’t exceed $500. Monthly fee is $10. Direct deposit is required; account will be closed if deposits stop. Debit Card offers no overdraft privileges. Limits are $200 for cash withdrawals at ATMs and $500 for purchases. Maximum holds will be placed on all checks deposited except for payroll and government checks. Other restrictions may apply. See Member Service Representative for details.

Overdraft Protection

Eaton Family Credit Union offers two types of Overdraft Protection to help you avoid the inconvenience, embarrassment and expense of a check returned for non-sufficient funds.

Overdraft Protection

Designate another Eaton Family Credit Union account from which funds can be transferred if you have an overdraft. However, funds must be available to cover the overdraft.
Automatically Covers Overdraft
$500-$2,000 Line of Credit Available
Overdrafts are honored in increments of $50
$2 Transfer Fee
No Overdraft Fee for Non-Sufficient Funds
15% Fixed Annual Percentage Rate On Balances
Overdraft Balance is Separate
Payment is 4% of Credit Line
Automatic Loan Payment

Member Courtesy

A convenient way to avoid fees so your credit score and relationships are not affected.

Automatically Covers Overdraft

Account will be charged our standard NSF fee of $27.50 for each item
Overdraft notice will be sent by mail each time items are paid
Bring checking account balance positive within 30-days
Member Courtesy may or may not be reflected in your checking account