Choose the Checking Account that Fits Your Lifestyle!
e-Checking
Earn 4.00% APY* on balance from $0 - $2500
2.50% APY on balances from $2,500.01 - $5,000
0.25% APY on balances from $5,000.01 – 10,000
0.10% APY on balances over $10,000.00
- No minimum balance
- No monthly fees
- Minimum Deposit to Open: $25.00
- Online Bill Pay transactions are free and unlimited
- ATM and branch transactions are unlimited
It's easy to earn eChecking Dividends. Here's how you can get this great rate!
- Receive eStatements, opting out of paper statements
- Make eight (8) or more debit card transactions each month
- Direct Deposit a minimum of $500 monthly to your eChecking
*APY = Annual Percentage Yield. Dividends are calculated daily and compounded and paid monthly. Rates subject to change. On any month you do not meet the requirements, you will not be paid a dividend but there is no fee incurred for not meeting the requirements. Fees could reduce the earnings on the account. Rates are accurate as of May 1, 2025. Existing Regular Checking accounts may be converted to an eChecking at any time.
Please see our Account Disclosures which include the Truth in Savings Disclosures for all account disclosure information.
Regular Checking
- No minimum balance
- No monthly fees
- Minimum Deposit to Open: $25.00
- One box of checks free annually with a minimum Direct Deposit of $500
- No monthly fee with a minimum of 4 transactions per month or a minimum consolidated savings balances of $500.00 or any outstanding loan balance of $500 (excluding overdraft protection and VISA Credit Card balances)
All it takes is a minimum of four (4) monthly transactions to avoid an inactive monthly service fee on Regular Checking. Checking transactions may be a combination of deposits, check clearings, transfers, Debit card transactions (signature or POS), ACH debit or bill payments. Internal transfers within your account or linked account does not count towards the minimum required.
See Fee Schedule for all other checking account fees. Fees could reduce the earnings on the account.
Please see our Account Disclosures which include the Truth in Savings Disclosures for all account disclosure information.
Teen Checking - for ages 13 - 17
Built to help young people learn, earn, and save in a safe, supportive environment.
- No minimum balance
- No monthly fees
- Minimum Deposit to Open: $20.00
- FREE ATM/Debit card
- FREE Mobile App and Online Banking
- FREE eStatements
- FREE checks (25 pack per year)
- $10 Good Grades Reward up to twice a year*
Teen Checking Accounts require a qualifying ECS member parent or legal guardian to be joint on the account. Teen Accounts are limited in usage to $300/day total in Debit Card/ATM/Point of Sale (POS) and to 8 transactions/day. Teen Checking converts to Regular or eChecking during the month of the member's 18th birthday.
Want to help your teen learn more about finances? Download Zogo, our FREE financial literacy app with bite-sized lessons, and earn points that are traded in for gift cards to your favorite retailers! Check out our Zogo page for more information.
*To earn the Good Grades Reward, your report card with a minimum 3.00 grade point average must be submitted to the credit union no later than 45 days after the date of the report. Student must have a minimum of eight (8) checking account transactions during the semester, have no NSF checks or overdrawn account activity, and must be enrolled in eStatements to receive the $10 savings deposit.
Please see our Account Disclosures which include the Truth in Savings Disclosures for all account disclosure information.
Fresh Start Checking Account Details
- No minimum balance
- No monthly fees
- Minimum Deposit to Open: $20.00
- Dividend Rates: This account is a non-interest bearing account
- Electronic Service Limitations:
- $300 per day maximum for Debit Card POS or ATM Transactions
- $300 per day maximum for Signature Debit Transactions
- Mobile Check Deposit: Not available for this account type
- Direct deposit of your payroll check is required
- Excessive overdrafts or mishandling of the account, at the credit union’s sole discretion, is cause for immediate account termination.
Please see our Account Disclosures which include the Truth in Savings Disclosures for all account disclosure information.
Compare Checking Accounts
| Feature | eChecking | Regular Checking | Fresh Start Checking | Teen Checking |
|---|---|---|---|---|
| Description | For those who want to earn dividends | For those who would like paper statements | For those who may not qualify for other checking accounts | Available for Teens of our Members age 13-17 |
| Dividend Rate | Earn up to 4.00% APY on balances up to $2,500* (see additional tiers above) | .01% APY | No dividends | No dividends |
| Direct Deposit | Required for dividend earning | Optional | Required | Optional |
| eStatements | Required | Optional | Required | Optional |
| Opening Deposit | $25.00 Minimum | $25.00 Minimum | $20.00 Minimum | $20.00 Minimum |
| Monthly Fee | None | $3/mo – waived with 4+ monthly debit transactions, $500+ savings balance, or $500+ loan balance (excludes overdraft protection and VISA credit card balances.) | None | None |
| FREE Checks | Starter checks for new accounts | One box free annually with $500 monthly direct deposit | No | One 25 pack/year |
| FREE Mobile App with card controls, mobile deposit, credit card access, set alerts and more |  | | Yes, no mobile check deposit | |
| Signature Lines of Credit Options | | | No | No |
| Other | New ECSFCU members must open a Primary Share Account with a $5.00 minimum opening deposit, in order to open a Checking Account. | New ECSFCU members must open a Primary Share Account with a $5.00 minimum opening deposit, in order to open a Checking Account. | $300/day Debit Card/ATM/POS and 8 transactions/day limits | $300/day Debit Card/ATM/POS and 8 transactions/day limits |
Fees could reduce the earnings on the account. Please see our Account Disclosures which include the Truth in Savings Disclosures for all account disclosure information. On any month you do not meet the requirements, you will not be paid a dividend but there is no fee incurred for not meeting the requirements. Existing Regular Checking accounts may be converted to an eChecking at any time. Rates are accurate as of May 1, 2025.
ECSFCU!
