Find the checking account that fits your lifestyle. Our options can include no monthly fees, an extensive ATM network, and free online banking. Put your money where it’s safe and always at your fingertips. Access and manage your accounts anytime online, on your smart phone, or with ECU’s Phone Teller. And, you’ll receive local, friendly service that works for you.
Smart Checking: Ideal for frequent debit card users that want ATM charges refunded and a high interest rate.
- Bonus rate of 2.50% APY*, for balances up to $15,000
Account requirements to earn Bonus Rate dividends:
- Have at least 15 ECU Visa debit card transactions with a minimum amount of $5 each post and clear per month.
- Have at least 1 Direct Deposit or ACH Auto Debit post and clear per month.
- Sign up for and receive ECU e*Statements
- 2nd Tier rate of 0.20% APY*, for balances over $15,000
- Base rate of 0.05% APY*, for balances when requirements are NOT met
- Monthly $5 fee waived & Bonus Rate paid if requirements** are met
- $12 in ATM surcharges refunded when monthly requirements are met.
- Extensive ATM Network***
- Free Visa debit card
- Free ECU Mobile service
- Free e*Teller (Online Account Access)
- Free online BillPay
- Free online check imaging
- Unlimited check writing
- Minimum $25 deposit to open (no minimum thereafter)
- Overdraft Privilege and Overdraft Protection are available
- Simplify the switch with an ECU Switch Kit, come in and fill one out
*APY = ANNUAL PERCENTAGE YIELD.
**If you meet the minimum eligibility requirements for the month, you will receive the Bonus Rate and we will refund up to $12 of ATM surcharges.
***ATMs in the Credit Union ATM Network are free to use up to 8 transactions per month.
Account requirements are based off of the activity during each calendar month.
- No monthly fees
- Free Visa debit card and an extensive ATM network*
- Free ECU Mobile service
- Free e*Teller (Online Account Access)
- Free online BillPay
- Free online check imaging
- Unlimited check writing
- Minimum $25 deposit to open (no minimum thereafter)
- Overdraft Privilege and Overdraft Protection are available
- Simplify the switch with an ECU Switch Kit, come in and fill one out
*ATMs in the Credit Union ATM Network are free to use up to 8 transactions per month.
A+ Checking Accounts
- $5 monthly maintenance fee if balance falls below $500
- Balances over $100 earn dividends
- Free Visa debit card and an extensive ATM network*
- Free ECU Mobile service
- Free e*Teller (Online Account Access)
- Free online BillPay
- Free online check imaging
- Unlimited check writing
- Overdraft Privilege and Overdraft Protection are available
- Simplify the switch with an ECU Switch Kit, come in and fill one out