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Fresh Start Checking

Available for those who many not qualify for other Checking Accounts

All our Checking Accounts include:

  • Unlimited VISA Debit Card access - No fee transactions at 30,000 CO-OP ATMs nationwide, including 7-Eleven stores. Use your VISA Debit Card to make purchases anywhere VISA is accepted!
  • Free Visa Debit Card with EMV Chip Technology
  • Unlimited "Better Than Free" Bill Pay
  • Free Online Banking
  • Overdraft Protection from Savings or Signature Lines of Credit
  • Check Copies online

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.

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 4% 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
LimitationsNoneNone$300/day Debit Card/ATM/POS and 8 transactions/day$300/day Debit Card/ATM/POS and 8 transactions/day
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 $20.00 ***
  • NO Minimum Balance Requirement

* 4.00% APY paid on the first $2,500 on deposit. 2.50% APY paid on balances between $2,500 and $5,000. 0.25% APY paid on balances between $5,000 and $10,000. 0.10% 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.

** $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 4.00% 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. 4.00% APY paid on the first $2,500 on deposit. 2.50% APY paid on balances between $2,500 and $5,000. 0.25% APY paid on balances between $5,000 and $10,000. 0.10% 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.

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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.

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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.

Students must complete our video based online Teen Financial Education courses before opening the account.

 

*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 Courses
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

Intro to Finance

Are you stressed about money? Don't worry - you're not alone and help is available! This program will help you understand key financial concepts and make better decisions related to managing your money.

Intro to Finance Articles

Major Life Transactions

Life is full of big decisions, and it can feel overwhelming at times! This program will equip you to better manage some major financial decisions that may come your way.

Major Life Transactions Articles

Paying for College

Paying for education can seem expensive and overwhelming. But don't worry - you're not in it alone! This program will help you understand the costs associated with financing an education and navigate the application and repayment process.

Paying for College Articles

Retirement Planning

Are you prepared for retirement? This program will help you plan today for the life you want in retirement. Explore important financial planning topics like investment strategies, estate planning, and social security so you can have a comfortable retirement.

Retirement Planning Articles

Members LoveECSFCU!

  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra