Personal banking that’s straight forward and easy

We’re committed to providing simple, convenient checking options to meet the needs of your everyday life.

Compare Checking Accounts

Checking
Right for you if...
You want the basics.
Interest Rate
None
Monthly Fee
$3*
Minimum Opening Deposit
$25
Access
  • Free Online and mobile banking
  • Bill pay
  • Mobile deposit
  • Visa Gold Check Card
  • Global ATM network
  • Free Domestic ATM Withdrawals and Nationwide shared branch access (through the Co-Op Network)
Interest Checking
Right for you if...
You want to earn interest.
Interest Rate
0.10% APY1
Monthly Fee
$10**
Minimum Opening Deposit
$100
Access
  • Free Online and mobile banking
  • Bill pay
  • Mobile deposit
  • Visa Gold Check Card
  • Global ATM network
  • Free Domestic ATM Withdrawals and Nationwide shared branch access (through the Co-Op Network)
Start Young Spending
Right for you if...
You want to teach your kids banking.
Interest Rate
None
Monthly Fee
None
Minimum Opening Deposit
$5
Access
  • Free Youth Online & mobile banking
  • Teen Person-to-Person and Bill Payments
  • Start Young Visa Debit Card
  • Parental Controls
  • Mobile deposit
  • Global ATM network
  • Free Domestic ATM Withdrawals and Nationwide shared branch access (through the Co-Op Network)

Rates Effective: November 01, 2019

*$3 monthly paper statement fee waived by opting out of paper statements.

**$10 monthly maintenance fee waived with $1,000 minimum daily balance or $5,000 combined balance.

ECCU will not charge any additional fees; however non-CO-OP ATMs fees may apply. Check the ATM finder for the closest fee-free ATM.

1APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. For dividend-bearing checking and savings accounts, ECCU pays dividends monthly on the last day of each month. Withdrawal of dividends and fees may reduce earnings on this account.

Please refer to ECCU's Account Agreement and Disclosures and Personal 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 877.545.0755 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.