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 32456, 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

American Express Travelers Checks

Night Depository - we have a night depository located at both offices for after hours deposits.  Access to the night depositories is in our drive-thru lanes.

Drive-Thru Facilities - both 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 both offices for withdrawals, deposits, transfers and more.

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 both locations.

Fax Machine - we offer fax services at both 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:  free checks (limited styles available), 5 free money orders per month, free travelers checks, and special rates on certificates.