Emerald Coast Federal Credit Union



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.  
  • On-Site ATM Machines - we have drive-up ATMs located at our Port St. Joe, Wewahitchka and Eastpoint offices for withdrawals, deposits, transfers and more.
  • TellerLine, Your 24-Hour Teller - TellerLine is our automatic teller line that is available 24 hours a day, seven days a week.  With TellerLine 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.  TellerLine can be accessed by calling 1-800-309-8559 and using the Credit Union's ID# 170.
  • 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.  In order to receive incoming wires please click here for our wiring instructions.
  • Retired Members (Age 55 and over) - for our retired members we offer the following special services:  1 free box of checks per year (limited styles available), 5 free money orders 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.   **Please be advised that these products are not federally insured, are not obligations of the Credit Union, and are not guaranteed by the Credit Union.  *(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.) 

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