Online Services

Emerald Coast Federal Credit Union strives to make your online experience an easy one. There are a number of services you can utilize or apply for while visiting our site.


Apply for a consumer loan, a mortgage loan, a credit card, and more. 

Mortgage Applications

Apply for a mortgage loan, view rates, and receive more information here

Check Reordering

Reorder your checks online, it's fast and easy. Our check printing company is Main Street Inc


Try one of our interactive calculators. You can calculate loan payments, investment earnings, and much more. 

Internet Banking

Try out our Virtual Branch! Submit an application for our Internet Banking service and have access to your account 24 hours a day, 7 days a week. (Applications are available by contacting one of our offices). You can view account histories, check account/loan balances, view cleared checks*, make transfers, pay loans, schedule recurring transfers and more! To access you will need your Logon ID and your security code that we assign to you once your application is processed. The best feature of all is - it's free!!

*Please Note: Copies of your checks may not be available if the merchant has converted the check to an electronic transaction in order to clear the item from your account.

Online Bill Payment

We also offer Online Bill Payment through our Virtual Branch! This service is available for checking accounts only and enables you to make payments online to pay certain bills or merchants. These payments can be one-time or recurring, whatever you require. To sign up, all you need to do is specify that you would like Online Bill Payment when you apply for Internet Banking. This great service is also free of charge as long as you make three (3) or more bill pay transactions each month!

Mobile Banking

Mobile Banking is a quick, convenient way to access your account. With mobile banking you can view your accounts, make transfers, make loan payments, pay your bills and more with your smartphone. Emerald Coast FCU Mobile is available for both Apple® and Android® devices. Download the app to take advantage of this free service. To have access to mobile banking you will need to be enrolled in our home banking service, Virtual Branch.