Checking that works for your life.
At Ellafi, we know there’s no one-size-fits-all when it comes to your money—or your life. That’s why our checking accounts are built to move with you, not against you. Whether you’re just starting out, juggling it all, or building something big, our accounts are designed to support your financial journey with flexibility, ease, and purpose.
With fewer fees, higher interest rates than most traditional banks, and the freedom to bank the way you want—Ellafi Checking puts you in control. Because when your money works smarter, so can you.
- Cashback Checking
Earn up to 2% cach back each month1 on items you purchase every day.
- Free debit card rewards
- Free online banking and bill pay
- Access 30,000 ATMs
- Overdraft protection options
- Mobile Payment Options
- wealth builder Checking
You can earn up to 3.00% APY* on balances up to $20,000.
- Free debit card rewards
- Free online banking and bill pay
- Access 30,000 ATMs
- Overdraft protection options
- Mobile Payment Options
- ATM Fee Refund Checking
Nationwide ATM fee refunds up to $20.00 per month3
- Free debit card rewards
- Free online banking and bill pay
- Access 30,000+ ATMs
- Overdraft protection options
- Mobile Payment Options
- Basic Checking
A checking account that keeps things simple—so you can focus on what matters most.
- Free debit card rewards
- Free online banking and bill pay
- Access 30,000+ ATMs
- Overdraft protection options
- Mobile Payment Options
- fresh start Checking
An account designed to help you make a financial comeback. Start building a brighter financial future one transaction at a time.
- $12 monthly service fee4
- No minimum balance requirements
- Unlimited debit card transactions
- Free online and mobile banking
- Free Visa® debit card
- Access 30,000+ ATMs
Ellafi Federal Credit Union Checking Account Benefits
- Free Debit Card Rewards: Take advantage of our FREE debit card rewards program!
- Surcharge-Free ATMs: Get cash when you need it at thousands of nationwide surcharge-free ATMs.
- Online Banking: Our goal with online banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices.
- Mobile Banking: Mobile Banking App streamlines your digital banking experience by giving you more access to managing your accounts and finances from your mobile device.
Make an appointment with our team in the branches!
Do you have questions about your checking account? Do you need to apply for a loan or are interested in refinancing?
If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into our Meriden or Middletown, CT branch. You can avoid waiting in the lobby when you need financial help.
Disclosures
Cashback Checking Accounts
1Each monthly statement cycle you will receive 1.00% cash back on debit card transactions and purchases that post and settle to your account during the monthly statement cycle. Cash back not to exceed $5.00 per monthly statement cycle. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the statement cycle. The statement cycle runs from the first day of the month to the last day of the month. Only applicable to purchases made with your debit card tied to your Cashback Checking account. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. Ellafi Federal Credit Union savings account required to establish membership. Limit of one Cashback Checking account per member/social security number.
Interest Checking Accounts
2APY= Annual Percentage Yield. APY is accurate as of 04/01/2022. Rates are subject to change after account opening. Earn 0.10% APY on balances up to $10,000 (minimum balance of $500 to earn interest). Fees may reduce earnings. Although a minimum balance is required to earn rewards, there is no minimum balance required to open the account. Ellafi Federal Credit Union savings account required to establish membership. Limit of one Interest Checking account per member/social security number.
ATM Fee Refund Checking Accounts
3ATM Fee Refund Checking automatically refunds up to $7.50 in domestic ATM surcharges imposed by other institutions per statement cycle while account is open. Foreign currency ATM surcharges are not included in the refunded ATM fees. Ellafi Federal Credit Union savings account required to establish membership. Limit of one ATM Fee Refund Checking account per member/social security number.