Emerald Coast Federal Credit Union
Services









 

 

At Emerald Coast Federal Credit Union we offer more than just great rates.  We also offer a variety of free or low cost extras that help make life easier.  Our goal is to be your primary financial institution, and as such, we are determined to bring you the very best in service.
 
Our list of services include:
  • Direct Deposit - have your paycheck, social security, pension, etc. electronically deposited into your account.  No more waiting in line for a teller or worrying if the mail reached us on time.  To begin your direct deposit, simply contact your payroll office with your account number and the following information:  Emerald Coast Federal Credit Union, P.O. Box 128, Port St. Joe, FL 32457, Routing/Transit number 2632-8196-7.  You may also contact our member services representative for a direct deposit form or click here.
  • Payroll Deduction - with payroll deduction you may have a set amount deducted from your paycheck each pay period and sent directly to your account here for deposit.  Ask your payroll office about this convenient service or contact us.
  • Electronic Withdrawal/Payment - now paying certain bills, insurance premiums, etc. is easy!  With ACH withdrawals you can sign up with your utility company, insurance company and more for an automatic draft to be deducted from your account.  No checks to write and mail!
  • Automatic Loan Payments - with our periodic automatic disbursement system we can have your loan payments automatically transferred from a share or share draft account. 
  • Money Orders
  • Night Depository - we have a night depository located at all our offices for after hours deposits.  Access to the night depositories are in the drive-thru lanes.
  • Drive-Thru Facilities - our Port St. Joe, Wewahitchka, and Eastpoint locations have convenient drive-thru lanes for quick and easy service.
  • VISA® Debit Cards - we offer debit cards that can be used almost everywhere VISA® is accepted.  With our Debit card you may pay for purchases at stores or restaurants; get cash at ATM machines; or shop online!  For more information, contact our Debit Card Administrator at (850) 227-1156 or toll-free 1-877-874-0007.  
  • On-Site ATM Machines - we have drive-up ATMs located at our Port St. Joe and Wewahitchka offices for withdrawals, deposits, transfers and more.  Coming Soon!  Our new ATM located at our Eastpoint office!
  • Sandy Shores, Your 24-Hour Teller - Sandy Shores is our automatic teller line that is available 24 hours a day, seven days a week.  With Sandy Shores you can check your account balances, make transfers, loan payments, learn what checks have cleared and what electronic transactions have posted to your account(s).  A PIN number is required for access.  Contact us for an application to take advantage of this "helpful" teller.  Sandy Shores can be accessed by calling (850) 227-2010 or (850) 229-6760.
  • Notary Services - we offer notary services to members free of charge at all locations.
  • Fax Machine - we offer fax services at all locations for a small fee.
  • NADA Car Prices - current NADA books are available in our lobbies for your convenience.
  • Wire Transfers - available for both national and international destinations for a small fee.
  • Retired Members (Age 55 and over) - for our retired members we offer the following special services:  2 free boxes of checks per year (limited styles available), 5 free money orders per month, 5 free teller checks per month, and special rates on certificates.
  • Insurance Products** -  

We offer Credit Disability, Joint Credit Disability, Credit Life Insurance and Guaranteed Asset Protection (GAP) Insurance for certain loan products.  The premiums for these coverages are included in your monthly payment.  More information about these products can be obtained by contacting one of our loan officers.  Click here* to access our Credit Disability, Credit Life and GAP calculator. *(Web-linking Disclaimer:  Emerald Coast Federal Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third party site.  Our privacy policy does not apply to linked websites.  Viewers should consult the privacy disclosures on that site for further information.)

We also offer different types of AD&D and Life Insurance Products.  For more information or quotes, click here.

MEMBERS® Auto and Homeowners Program

You trust Emerald Coast Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

    • MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
    • Convenient e-service, pay your bill or make changes to your policy, even report a claim.
    • Receive fast, easy access to claims service 24-hours a day.
    • Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Click here* for more information!  *(Web-linking Disclaimer:  Emerald Coast Federal Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third party site.  Our privacy policy does not apply to linked websites.  Viewers should consult the privacy disclosures on that site for further information.)

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

**The above insurance products are not insured by NCUA.

 

 
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