Account requirements to earn Bonus Rate dividend:

   (1)  Have at least 10 ECU VISA debit card transactions post and clear per 
          qualification cycle
   (2)  Have at least 1 Direct Deposit or ACH Auto Debit post and clear per 
          qualification cycle 
   (3)  Sign-up for and receive ECU e*statements

Apply for your Smart Checking Account Online: Checking Application

*APY = ANNUAL PERCENTAGE YIELD.  If you meet the minimum eligibilty requirements for the qualification cycle, you will receive the Bonus Rate and we will refund your domestic ATM fees, up to a maximum of $20.00 during the period.

Prime Checking

ECU's Prime Checking account offers higher dividends than a regular checking account.  With an ECU Prime Checking account, you’ll receive:

• Free basic duplicate checks
• Balances over $2000 earn dividends (higher dividends than regular checking)
• $2,000.00 minimum monthly balance; $10.00 monthly fee if balance goes below $2,000.00

View our Current Rates

Apply for your Prime Checking Account Online: Checking Application

A+ Checking

It’s an Interest-Bearing checking account with convenience. You’ll earn dividends with ECU’s regular checking account and enjoy many other free services. With your ECU A+ Checking account, you will enjoy:

• $100.00 minimum to open
• Dividends paid monthly on balances over $50.00
• $300.00 minimum monthly balance; $5.00 monthly fee if balance falls below $300.00

View our Current Rates

Apply for your A+ Checking Account Online: Checking Application

Forever Free Checking

It’s all in the name. A checking account that’s free to you. In addition to all the freebies, there is no charge for direct deposits and you can access your account information 24 hours a day with our free online banking or through our Phone Teller. With your ECU Forever Free Checking account, you'll enjoy:

• No monthly fees
• Receive your first 50 checks free 
• $100.00 minimum to open
• No minimum balance required

Apply for your Forever FREE Checking Account Online: Checking Application

*Overdraft Privilege

Rather than automatically returning unpaid insufficient fund items you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts. We will charge our normal insufficient funds fee, as set forth in our fee schedules, for each item that creates an overdraft on your account.

• Up to $400.00 on Forever Free Checking
• Up to $700.00 on A+, Prime, and Smart Checking 
• New accounts eligible after 30 days and; at least $400.00 (Forever Free) or $700.00 (A+, Prime, and Smart Checking) in deposits.

**Subject to approval

Overdraft Privilege Policy - Click here

Overdraft Protection

If you write a check for more than your available balance, a line of credit can be used to cover your overdraft(s). Use your Overdraft Protection with no fee and there is no charge if you do not use it.

• A credit limit is established which allows you to borrow up to that limit
• Make monthly payments on the line of credit or pay it back all at once
• Simple interest is charged on the amount in your Overdraft Protection Account
• Overdrafts covered by your Overdraft Protection Account do not incur an insufficient funds fee

Apply for Overdraft Protection

Visa Check Card

The card that works like a check is available on any ECU Checking Account. Apply for your Visa Check Card to use for “point of sale” purchases and to access your funds from ATMs. Use your ECU VISA Check Card and remember to choose "CREDIT" not debit. No matter which option you choose, purchases are automatically deducted from your checking account and are NOT charged to a credit card.

• Your Check Card can be used anywhere Visa Debit Cards are accepted
• Use any of the 30 Credit Union's ATMs in Topeka, Lawrence, Manhatan, or Emporia absolutely FREE –or-
• Any of the more than 100 Credit Union Network ATMs in Kansas City, and Oklahoma with NO Surcharge (a $1.00 transaction fee may apply to those outside of Topeka)

ATM Locations