For updates on COVID-19 help and service, click here | To apply or start the forgiveness application on PPP, click here.


Checking Accounts.

Now earn 4.5% Cash Back.
Refunded ATM Fees.
Making every penny count.

Open Account Today

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:

Money Sign Phone
Monthly Rewards
  • 3.00% APY1 on balances up to $35,000
  • 3.00% to 0.96% APY on balances over $35,000 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
Dollar Sign Return
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

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.

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

Online & Mobile Banking at your Fingertips, Literally


Make a deposit, pay a bill, wire funds, or see if you’re still on budget. Online banking gives you the freedom, functionality and digital security to quickly bank from home or on the go.

app images

4.6 stars
App Store Icon Google Play Icon
Smooth move.
ECCU CardSwap makes changing banks easier.
app view of accounts, spending and budgeting tabs

Automatically link your ECCU card to all your favorite online vendors using CardSwap, our online card management tools.

Quickly update online subscriptions, services and shopping cart payments to your ECCU debit or credit card.

Seamlessly replace expired or lost card information anytime your card status changes.

Set payment for more than 50 of your most popular online subscriptions sites and services—all in one place.

1APY (Annual Percentage Yield)

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

Upcoming Changes:

Above Advertised Kasasa Cash APY and tiers are effective through 8/31/2020. Effective 9/1/2020, When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 earn a dividend rate of 2.96% that results in an APY of 3.00%; and daily balances over $10,000 earn a dividend rate of .25% on the portion of the daily balance over $10,000, resulting in a range from 3.00% to 0.50% APY depending on the account's daily balance.

*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.