Checking Accounts

Your organization is unique. Pick a checking account designed for ministries by people who understand ministry.

Whether your organization just needs to deposit the weekly giving and pay the bills, or has complex cash management needs, we offer an account to make your job easier—and save you some money too. Talk to one of our dedicated Ministry Relationship Managers who understands both banking and ministry to find the account that’s right for you and see how much you can save.

Small Ministry Checking

An affordable primary checking account for churches and organizations with low monthly transaction activity.

Ministry Checking

A primary checking account for churches and organizations with moderate monthly activity. Allows for 300 total monthly transactions.

Analyzed Checking

Earn interest to offset account fees with a primary checking account designed for organizations with high transaction activity or advanced cash management needs.

Ministry Bonus Checking

Our highest-yielding analyzed account designed to reward organizations that use multiple ECCU services and have high transaction activity each month.

Sweep Accounts

Checking with Investment Sweep for ministries that have advanced checking needs and want specialized cash-management options.

	Analyzed Checking	Ministry Bonus Checking
	Learn More	Learn More
Right for you if...	You have high transaction activity or advanced cash management needs.	You have high transaction activity and want to save more by combining your checking and savings accounts.
Earnings Allowance Rate	0.25%	0.45%
Minimum Opening Deposit	$200	$200
Monthly Maintenance Fee	$15	$12
How to keep it free	An earnings allowance may offset activity and maintenance fees.	An earnings allowance may offset activity and maintenance fees.

	Small Ministry Checking	Ministry Checking
	Learn More	Learn More
Right for you if...	You need a simple business account for your low monthly activity.	You need a simple business account for your moderate monthly activity.
Interest Rate	None	0.03% APY¹
Minimum Opening Deposit	$200	$200
Monthly Maintenance Fee	$10	$20
How to keep it free	$5,000 monthly minimum balance, a $7,500 average daily balance, or with four point-of-sale transactions per month with Visa Business Check Card.	$20,000 monthly minimum balance, $25,000 average daily balance, or six point-of-sale transactions per month with Visa Business Check Card.
Monthly Cash Deposits	Account allows $5,000 in monthly cash deposited	Account allows $10,000 in monthly cash deposited
Total Monthly Transactions	Account allows 150 combined transactions per month	Account allows 300 combined transactions per month

Rates Effective: October 01, 2021

¹APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.

Please refer to ECCU's Account Agreement and Disclosures and Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 800.921.1130 or internationally at 714.671.5705.

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.