Developed with your needs in mind, EvergreenDIRECT Credit Union DIRECT Checking* Account offers an array of valuable features and benefits.
- Get Paid a Day Before Your Actual Pay Day**
- No Minimum Balance
- No Monthly Service Fee
- Earns Dividends on Entire Balance
- FREE VISA Debit/Check Card
- FREE Internet Bill Payer
- FREE Check Printing (EDCU Design)
- FREE Money Orders
- ATM Surcharge Rebates
- Overdraft Protection
- Swipe & Sign Awards
*The DIRECT Checking requires Direct Deposit.
**Depending on your employer's payroll procedures, it may not be possible for you to receive your payroll deposit prior to your actual pay day.
Switching Made Easy
Switching your checking has never been easier! Print our Checking Switch Kit to easily move your checking from your current financial institution to EvergreenDIRECT Credit Union.
Direct Deposit
Safe and hassle-free, Direct Deposit enables you to have your paycheck automatically deposited into your credit union account each payday.
State of Washington Retirement
Federal Payments (VA, Social Security)
Payroll Deduction
Free Online Bill Pay
EvergreenDIRECT Credit Union Online Bill Pay offers you the convenience of paying your bills when and how you want. With Online Bill Pay, you have the freedom to pay your bills any time of the day or night. You can make single payments or set up recurring payments with the ability to edit or delete scheduled payments. Once you see how easy it is, you'll never want to send payments in the mail again!
Click here to view an Online Bill Pay demo or video
Swipe & Sign Awards
Swipe &Sign Awards gives you points for everyday spending using your VISA Debit or VISA Platinum Card from EvergreenDIRECT. With Swipe & Sign Awards you earn points to use toward travel, gift cards/certificates or cash.
Simply swipe your card, sign for the transaction, and watch your points add up. PIN based transactions do not earn points. Swiping your card and signing for your transaction not only earns you points but gives you added VISA protection in the event your card is lost or stolen. When you are ready to redeem, simply log in to your account, select your award, and submit the order.
To get started, visit our awards website or click on Swipe & Sign Awards in Online Banking under Services.
VISA Debit/Check Card
The Difference Between "Debit" and "Credit":
Debit - If you choose "debit" at the register, the transaction is processed through the ATM network, you must use a personal identification number (PIN).
Credit - If you choose credit at the register, the transaction is processed through the VISA network. When you choose credit and sign for the purchase, it actually helps your credit union and other members because VISA transactions are more efficient and less costly than ATM transactions. It also benefits you because you have protection through VISA in the event of problems with most merchant transactions, as well as zero liability in the event of fraud.
Regardless, how you choose to use your VISA Debit/Check Card, the funds will always be debited from your checking account and the card can be used in any ATM for withdrawals and deposits can be made in certain ATMs. To locate a Surcharge Free COOP Network ATM in your area, click here.
ATM Surcharge Rebates
EvergreenDIRECT will reimburse you up to $5 a month for ATM surcharges you incur while using an ATM outside of the network. Bring in or mail your ATM receipts to us and we will deposit the fees to your account.
In the event that you write checks in excess of your checking balance, EvergreenDIRECT Credit Union provides two automatic overdraft protection options you can sign up for:
Your EvergreenDIRECT Credit Union VISA Credit Card can automatically be advanced in $100 increments and transferred directly into your Checking Account. Each time a transfer is made, your account is charged a nominal service charge.
If you do not have an EvergreenDIRECT Credit Union VISA, overdrafts can be covered by transferring funds, also in $100 increments, from your Share Savings Account. Federal regulations limit overdraft protection transfers from a non-transaction account, such as Share Savings Account, to six (6) per calendar month. Each time a transfer is made, your account is charged a nominal service charge.
Manage your overdraft protection via OnLine Banking.
How to Open An DIRECT Checking AccountA DIRECT Checking Account may be opened at any EvergreenDIRECT Credit Union branch or by calling 360-943-7676 or 800-327-4286.
To dispute a VISA transaction, please fill out the Card Holder Dispute Form and return by mail to:
VISA Department
EvergreenDIRECT Credit Union
P.O. Box 408
Olympia, WA 98507-0408
If you need assistance completing this form, please give an Account Manager a call at 360-943-7676/800-327-4286.
