Checking Made Easy


We’re committed to providing simple, convenient checking options to meet the needs of your everyday life, all while advancing the Kingdom of God. With every swipe, you impact many. .

Compare Checking Accounts

Basic Checking
Right for you if...
You want the basics.
Interest Rate
None
Monthly Fee
$3

Fee waived by opting out of paper statements

Minimum Opening Deposit
$0
Free Credit Monitoring
Free Financial Tools
Free Online & Mobile Banking App Access
Free Visa® Gold Check Card
Free Domestic ATM Withdrawals
Global ATM Network
Nationwide CO-Op Network
Additional Features
  • Bill pay
  • Mobile deposit
  • Account Alerts
  • Digital Wallet
Interest Checking
Right for you if...
You want to earn interest.
Interest Rate
0.05% APY1
Monthly Fee
$10

Fee waived with $1,000 minimum daily balance or $5,000 combined balance*

Minimum Opening Deposit
$100
Free Credit Monitoring
Free Financial Tools
Free Online & Mobile Banking App Access
Free Visa® Gold Check Card
Free Domestic ATM Withdrawals
Global ATM Network
Nationwide CO-Op Network
Additional Features
  • Bill pay
  • Mobile deposit
  • Account Alerts
  • Digital Wallet
Start Young Spending
Right for you if...
You want to teach your kids banking.
Interest Rate
None
Monthly Fee
None
Minimum Opening Deposit
$5
Free Credit Monitoring
Free Financial Tools
Free Online & Mobile Banking App Access
Free Visa® Gold Check Card
Start Young Visa Debit Card
Free Domestic ATM Withdrawals
Global ATM Network
Nationwide CO-Op Network
Additional Features
  • Teen Person-to-Person and Bill Payments
  • Parental Controls
  • Mobile deposit
  • Account Alerts
  • Digital Wallet

SavvyMoney

Practice Financial Stewardship with SavvyMoney

ECCU has partnered with SavvyMoney to give you the support you need on your financial health journey.

Free Monthly Credit Score and Report

Protect Your Identity with Credit Alerts

Free Access through Online and Mobile Banking

Learn More about SavvyMoney


Multiple Devices SavvyMoney
MANAGE PAYMENTS
app view of accounts, spending and budgeting tabs

Automatically link your ECCU debit or credit card to 50+ popular online vendors using CardSwap, one of our free Switch Kit 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.

Learn More about CardSwap


Financial Tools to keep tabs on all your money—all in one place.

A comprehensive view of your finances for digitally tracking all spending and external accounts in one location — your ECCU app.


spending and budgeting screenshots
FINANCIAL TOOLS FOR TODAY:

Spending Tracker — Identify exactly where your money is going with these robust options

Budgeting Bubbles — Get visual insight into your real-time financial progress, and easily make adjustments


FINANCIAL FEATURES FOR YOUR FUTURE:

Net Worth — Stay on track to meet your long-term goals

Debt Tracker — Strategize your steps to becoming debt-free

Trends — Visualize your comparative monthly spending

Learn more about ECCU Financial Tools

Apple Pay ECCU


MORE WAYS TO PAY

Stop digging for your card and get on with your day. Chances are you're already holding your phone. Why not use it to pay, too? Digital wallets makes checking out seamless and secure, without the hassle.

Hassle-free shopping

Never forget your wallet again

Travel Lighter


Learn more about Digital Wallet


Rates Effective: January 01, 2022

$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. Beginning January 2022, monthly maintenance fees will be waived with a minimum $1,000 minimum daily balance OR by opting out of paper statements.

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.