Other Services

We may be smaller than those huge, impersonal national banks, but Encentus FCU is a full service financial institution.  We provide our wide range of services with something those big banks can't...friendly service that makes you feel you've found a home, because you have!  We offer a variety of products and services, including the following:

  • Direct Deposit
  • Payroll Deduction
  • Overdraft Protection
  • EARS (Audio Response)
  • Money Orders
  • Safe Deposit Boxes
  • Transfund ATM and Debit Cards (remember—all QuikTrip and most Kum-and-Go ATMs are free!)
  • Discount Movie Tickets
  • Free Notary Service
  • Discount Silver Dollar City Tickets
  • Mastercard Gift Cards
  • Low cost Coin Counter


EARS stands for Encentus Audio Response System.  Call our EARS number toll-free at 1-800-290-1199.  Use your member number and the last four digits of the primary account owner’s social security number to access your account information.  Listen for the prompts for the information you need. 

Secure your important documents and prized possessions in our safe deposit boxes! Our main office offers secure safe deposit boxes for your convenience. Use our hand scanner and key to access your box securely and privately. All safe deposit boxes are 10 inches wide and 20 inches long.

The height and price varies as follows:
3 inches $30/year
5 inches $50/year
10 inches $100/year

All boxes require a $15 key deposit that is non-refundable if the key is lost or stolen.

Hey.  We’ve all been there.  An unexpected bill pops up, your tire goes flat, or maybe you just didn’t get that many hours at work.  Whatever the reason, the paycheck just isn’t going to stretch until next payday.  When that happens, we’ve got you covered with Courtesy Pay.  After your account has been open and positive for 30 days, each share draft account (excluding Epic Youth Accounts) comes with $500 in overdraft protection for checks and ACH transactions.  If you want us to cover debit card purchases with Courtesy Pay, you’ll have to opt in with our special form.