eChecking - East County Schools Federal Credit Union
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eChecking

Earn up to 2.00% APY* on your eChecking account!

eChecking members will receive:

  • 2.00% APY* on balances up to $2,500
  • 1.25% APY* on balances between $2,500 and $5,000
  • 0.10% APY* on balances between $5,000 and $10,000
  • 0.05% APY* on balances over $10,000
  • Robust Mobile App with card controls, mobile deposit, bill pay, credit card access, facial recognition and more
  • No monthly fee, no minimum balance
  • $25.00 minimum deposit to open
  • Unlimited ATM access with no fee at CO-OP Network ATMs and ECSFCU Campus Cash Network ATMs
  • Unlimited “Better than Free” Bill Pay
  • Free Online Banking
  • Free Visa® Check Card, with “chip” technology
  • Overdraft Protection available

It's EASY to get this great rate

  • Receive eStatements, opting out of paper statements
  • Sign up for Direct Deposit** to your eChecking Account
  • Make eight (8) or more debit card transactions each month (select credit or debit at checkout)

Existing Regular Checking accounts may be converted to an eChecking account at any time.

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* APY = Annual Percentage Yield. Dividends are calculated daily and compounded and paid monthly. Please refer to our Truth-in-Savings-Disclosure for all applicable disclosure information. Rate is effective as of February 1, 2021 but may change at any time. On any month you do not meet the required qualifications you will not be paid a dividend.

** Direct deposit must be a minimum of $500 each month to your eChecking account

FeatureeCheckingRegular CheckingFresh Start CheckingTeen Checking
DescriptionFor those who want to earn our highest interest rate eChecking InformationFor those who would like paper statements Regular Checking InformationFor those who may not qualify for other checking accounts Fresh Start Checking InformationFree account for our members’ family Teen Checking Information
Interest RateEarn up to 2.0% APY on balances up to $2,500 *.01% APYNo interestNo interest
Direct DepositRequiredOptionalRequiredOptional
eStatementsRequiredOptionalRequiredOptional
Monthly FeeNone$3 - waived monthly with four+ monthly debit transactions OR **NoneNone
FREE ChecksStarter checks for new accountsOne box free annually with $500 monthly direct depositNoOne 25 pack/year
FREE Mobile AppcheckcheckYes, no mobile check depositcheck
Signature Lines of Credit OptionscheckcheckNoNo
Other

$300/day Debit Card/ATM/POS and 8 transactions/day limits
$300/day Debit Card/ATM/POS and 8 transactions/day limits
Open an accountOpen eChecking AccountOpen Regular Checking AccountOpen Fresh Start Checking AccountOpen Teen Checking Account

ALL East County Schools Checking Accounts include:

  • Surcharge FREE Access to 30,000 Co-Op ATMS including most 7-Eleven stores
  • FREE Visa Debit Card with EMV Chip Technology
  • VISA Debit Card can make purchases anywhere VISA is accepted
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Online Check Pay
  • FREE Online Check Images
  • UNLIMITED Check Writing
  • FREE Point-of-Sales Cash Back
  • FREE Funds Transfer to Other Bank/Credit Unions
  • Overdraft Protection Options
  • NCUA Insured up to $250,000
  • Opening Deposit Requirement of $25.00 ***
  • NO Minimum Balance Requirement

* APY=Annual Percentage Yield. 2.00% APY paid on the first $2,500 on deposit. 1.25% APY paid on balances between $2,500 and $5,000. 0.10% APY paid on balances between $5,000 and $10,000. 0.05% APY paid on balances over $10,000. Dividends are calculated daily and compounded and paid monthly. Rates subject to change. Please refer to our Truth-in-Savings Disclosure for all applicable 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.

** $3.00 monthly Regular Checking fee will also be waived for those members with a consolidated savings balance of $500 or any outstanding loan balance of $500 (excluding overdraft protection and VISA credit card balances

***New ECSFCU Members will also open a Share Savings Account with a $5.00 minimum opening deposit.



e-Checking

  • Earn 2.00% APY*, just for using your account as shown below
  • No monthly fee
  • No minimum balance required
  • 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!

  1. Receive eStatements, opting out of paper statements
  2. Make eight (8) or more debit card transactions each month
  3. Direct Deposit a minimum of $500 monthly to your eChecking

*APY = Annual Percentage Yield. 2.00% APY paid on the first $2,500 on deposit. 1.25% APY paid on balances between $2,500 and $5,000. 0.10% APY paid on balances between $5,000 and $10,000. 0.05% APY paid on balances over $10,000. Dividends are calculated daily and compounded and paid monthly. Please refer to our Truth-in-Savings Disclosure for all applicable 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.

More stuff about things

Regular Checking

  • Earn a competitive Dividend Rate
  • No minimum balance required
  • 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.

More stuff about things

Teen Checking - for students 13 - 17 years old

Because making better decisions related to managing your money as an adult takes practice and education.

  • No minimum balance
  • No monthly fees
  • Only a $20 deposit required to open an account
  • FREE ATM/Debit card
  • FREE mobile app
  • FREE eStatements and online banking
  • FREE checks (25 pack) each year
  • $10 Good Grades Reward up to twice a year*

Requires a parent or legal guardian to be joint on the account.

We encourage your teen to complete the six 5-7 minute lessons on Checking Accounts, Credit Cards, Creating a Budget, Credit Scores, Healthy Financial Habits and Mobile & Online Banking. Click on the link below.

*Report card with a minimum GPA of 3.00 must be submitted no later than 45 days after the date of the report. Student must have a minimum of eight (8) checking transactions during the semester,  have no NSF checks or overdrawn account activity and must be enrolled in eStatements to receive the $10 savings deposit.

Complete Teen Financial Education Lessons
More stuff about things

Fresh Start Checking Account Details

  • Minimum Deposit to Open: $20.00
  • Minimum Balance Requirement: none
  • 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 Truth-in-Savings-Disclosure for all account disclosure information.

Checking Rates

Financial Education

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 Could you use an easy explanation of the basics? These short, understandable lessons will help you to make better decisions related to managing your money. Titles include: Checking Accounts, Car Loans, Preventing Overdraft Fees, Credit Cards, Mobile and Online Banking and Why You Should Pay More than the Minimum Balance on your Credit Card.

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Adulting can feel overwhelming at times! Select from short but comprehensive modules on Creating a Budget, Credit Scores & Reports, Taxes: the Basics, Healthy Financial Habits, Debt Management, Identity Protection and How to Start Family Conversations about Money.

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Are you prepared for college tuition, one of life's emergencies or a comfortable retirement? Explore important financial planning topics like 529 plans, Emergency Savings, Health Savings Accounts, Sustainable Investing, IRA's, Estate Planing, and the FIRE Lifestyle.

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Members LoveECSFCU!

  • Marcel Becker testimonial
    What mattered to me, was that I needed the money to buy a motorhome, and I needed it now. This is the fastest I've ever experienced for a loan. It's never been this easy or this pleasant and I could tell that this was simply the way ECSFCU serves all of their members; it's their culture. I wasn't a member when I started, but I am now.
    Marcel Becker - General Manager, Trident Maritime Systems and Career Technical Education and Ethics in Business partner with GUHSD