Build a Strong Financial Foundation for Your Family.
Open a Kasasa® Checking Account and take advantage of 4.5% cash back and refunded ATM fees.
Open Account Today

ECCU is proud to partner with Hedi St John

Spend. Save. Do More.

Financial responsibility starts with a Kasasa® checking account from ECCU. To build a solid foundation for your family, you need a great team. ECCU has partnered with Kasasa to offer the best in cash back rewards, so every purchase brings you closer to your financial goals. Our community is stronger when we give back.

More Ways to Earn. More Ways to Save.

Dollar Sign Return

Now earn 4.5% cash back on debit card purchases & refunded ATM fees.

Money Sign Phone

Earn 3.00% APY1 on your checking account balances.

Money in Hand

Collect and grow your rewards with the Kasasa Saver® account.

Open in Minutes

Compare Our Featured, Free Kasasa Accounts:

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Monthly Rewards
  • 3.00% APY1 on balances up to $10,000
  • 3.00% to 0.50% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY if qualifications aren’t met
Monthly Maintenance Fee
Refunds on ATM Withdrawal Fees, Nationwide*
Up to $25 per month*
Free Online & Mobile Banking App Access
Free Visa® Gold Check Card
Minimum Opening Deposit
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Monthly Rewards
  • 4.5% cash back on debit card purchases*
  • Cash back earned on up to $200 monthly
  • Up to $108 cash back per year, $9 per month
Monthly Maintenance Fee
Refunds on ATM Withdrawal Fees, Nationwide*
Up to $25 per month*
Free Online & Mobile Banking App Access
Free Visa® Gold Check Card
Minimum Opening Deposit
Coins above Hand

Free Kasasa Saver® Account

Exclusive to Kasasa checking account holders, this account collects and grows your earned Kasasa checking rewards! Every month, your earned cash checking rewards and ATM withdrawal fee refunds will sweep to this account. You’ll even earn dividends on your Kasasa Saver balance while building your savings effortlessly. Find out more here.

Looking for a checking account without rewards? Click here to learn more about our basic checking account

Giving Back All Around


Banking That Matters

ECCU members work together to fuel ministry by sharing our resources. When you bank with ECCU, every dollar you spend or save is supporting ministry. Your accounts can help fund loans to churches, low-cost banking services to missionaries serving internationally, or grants to ministries. We invite you to start banking where your money means more and does more.

Kasasa Logo

Banking With A Heart

Since 2009, Kasasa has been giving back to the people and their communities. We believe in rewarding account holders and their communities. Our local partnerships with banks and credit unions allow you to support your neighbors and businesses.

Start Young

Why Start Young?

It’s never too early to start understanding money. Start Young Accounts give hands-on experience with budgeting and finances. And while you monitor their progress and set limits, you are also reinforcing godly values about money that will continue to grow with them.

0-7 years old

You bank, they learn.

8-12 years old

You bank together.

13-17 years old

They bank, you monitor.

Freedom For Them. Peace of Mind For You.

While they learn to keep an eye on their spending and saving, you can keep an eye on their progress. Parental monitoring, alerts and built-in protections help you guide their spending decisions right beside them or monitor from a distance with the mobile app.

tablet view of accounts
You Monitor

iphone app accounts, spending and budget
They spend, budget and save.

Features For Them. Features For You.

Start Young Accounts offer features for both kids and their parents, giving kids the independence they need to grow and learn the parents peace of mind.


No monthly fees or overdraft*

Secure transactions

Online, in-store and ATM transactions


Easy deposits and transfers

Full parental controls over spending limits

24/7 parental monitoring and alert options

Open a Start Young Account

Heidi St John

Hedi St John

Start Teaching Financial Habits at a Young Age

ECCU is proud to partner with Heidi St. John in communicating the importance of teaching your kids good financial habits at a young age. Stay tuned for her upcoming podcast full of great tips and resources.

1APY (Annual Percentage Yield)

See Kasasa Cash, Kasasa Cash Back, and Kasasa Saver pages to see full details

*Qualification Information:

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Go Paperless by opting out of paper statements
  • Be enrolled in and log into online banking

That’s all there is to it! Even if you don’t meet your qualifications during the cycle, your Kasasa account is still free.

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

"Monthly Qualification Cycle" differs from the current statement cycle. Contact member services at 800.634.3228 or internationally at 714.671.5705. or reference any of the Kasasa Truth In Savings Disclosure documents for specific Monthly Qualification Cycle dates.

*Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

  • Dividends on your checking account balances (Kasasa Cash)
  • Dividends on your savings account balances (Kasasa Saver)
  • Cash back on debit card purchases (Kasasa Cash Back)
  • ATM Withdrawal Refunds Nationwide (Kasasa Cash and Kasasa Cash Back)

Depending on your Kasasa account, when your qualifications are not met, account reward distributions are not made and only the non-qualifying Annual Percentage Yield is earned in interest bearing accounts.

Cash back refunds will be credited to the appropriate account on the last business day of the current statement cycle.

Dividends will be credited to the appropriate account on the last business day of the current statement cycle.

The advertised Kasasa Cash APY is based on compounding dividends. If member has a Kasasa Saver account, dividends earned on Kasasa Cash balances are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividends paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs.

Dividend Rates, tiers, rewards and bonuses are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply. Kasasa accounts are available to individuals 18 years and older.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account.

$25.00 minimum deposit is required to open the account.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.