FCEFCU Checking Accounts
We are proud to offer interest-bearing checking accounts with fewer fees than most of our for-profit competitors. Make the switch and save with a checking account from FCEFCU!
Unlimited check writing.
- Free Debit Card with adjustable limits.
- Free 24-hour remote access through Online Banking and Mobile Banking.
- Free bill pay and picture pay.
- Free text alerts and e-receipts.
- No required minimum balance.
- No monthly maintenance fees.
- View last 90 days of cleared check images online through Online Banking and Mobile Banking.
- Overdraft protection line of credit (subject to credit approval).
*Quoted rate is subject to change without notice.
**Some ATM machines may charge extra fees.

The easy, convenient, way to deposit checks. Download our mobile app and follow the easy directions to make a deposit to a checking or savings account at no cost and within minutes the funds will be in your account. ($5,000 daily limit)
For your convenience, FCEFCU provides free Mobile Deposit from your phone. To get started, download the app. Search on “Farm Credit Employees FCU” in your app store, or click on the appropriate link below.
Once you’ve downloaded the app, click on Mobile Deposit and follow the instructions. Simply snap an image of your deposit and submit. Our system automatically extracts payment information, and you’ll receive a confirmation in seconds.
As with all FCEFCU Online Banking products, our log-in security and data encryption ensures your deposit and information is safe.

Our FREE app for smartphones lets you pay bills just by taking a picture of them. No more time wasted entering billing address information online. It’s done automatically!
Download our mobile app and follow the Picture Pay directions. You just need to take a picture of the bill and make sure that the account number, invoice name and address, and amount are all captured in your photo. Then enter the amount you want to pay, select the date you’d like it delivered and submit the payment. It’s so easy!
To get started, download the app. Search on “Farm Credit Employees FCU” in your app store, or click on the appropriate link below.

To enroll in this service, or to change your direct deposit to your new FCEFCU checking account, simply ask your employer for an enrollment form and fill out the form using the credit union info below:
Farm Credit Employee Federal Credit Union
375 Jackson St. Suite 100 St. Paul, MN 55101
Routing #: 296075878
Give the completed form to your payroll manager or supervisor. It may take a few weeks for your changes go into effect – ask your employer for details.
DID YOU KNOW? You can also set up direct deposit for Social Security checks.
If you need help or have questions, call us at at 651.282.8880 or 1.800.551.1179 or send us an email.
In addition to our online services, deposits can be made in person, through an automatic payroll deduction, wire transfer, or through the mail.
Questions? Don’t hesitate to call us at 651.282.8880 or 1.800.551.1179 or send us an email.
Protecting Your Savings
All deposit accounts at FCEFCU are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. In addition FCEFCU is covered by a blanket surety bond covering all officials and employees against fraud, embezzlement, theft, robbery, forgery, or any dishonest act involving Credit Union assets.


MasterCard Debit Cards
Access your money 24 hours a day from anywhere in the United States with a FCEFCU MasterCard debit card.
Our debit card will be accepted anywhere that accepts MasterCard. Limits can be adjusted for each individual member as needed.
A debit card can be used for purchases at merchants everywhere and the funds are directly withdrawn from your FCEFCU checking account with no fees or costs. When using the debit card for purchases simply either click on “credit transaction” or request a signature transaction from the merchant. Debit cards may also be used for cash withdrawals from any ATM machine.
Please note that individual ATM machines may charge a fee.
Call us at 651.282.8880 to order your FCEFCU debit card!

If a transaction on your card appears to be a possible fraudulent transaction, you will be notified by phone, text and/or email.
Please be sure to respond to these messages. Your card will be frozen until you do. A sample text message is illustrated here.
Lost/Stolen Debit Card?
International problems? You can place a collect call to 412-552-2698.
If your checkbook is lost or stolen, call the Credit Union immediately at 651.282.8880 or 1.800.551.1179. Leave a message if calling after business hours.