In order to access our Bill Pay service free of charge, you would need to open an eChecking account. The minimum balance to open this account is $25 and this account does not pay dividends. There is no monthly service charge unless a transaction is performed by a LAFCU/HCCU personnel which could have been done electronically. In that case, a $5 fee will be assessed. If you would like to switch to an eChecking account or would like more information regarding this account, please give us a call at 800.894.1200 and a member service representative will assist you.