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 Bill Pay
Free Online Banking and Mobile App
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.

Fresh Start Addendum to Truth-in-Savings-Disclosure

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 *	.01% APY*	No dividends	No dividends
Direct Deposit	Required	Optional	Required	Optional
eStatements	Required	Optional	Required	Optional
Monthly Fee	None	$3 - waived monthly with four+ monthly debit transactions OR **	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 Share Savings Account with a $5.00 minimum opening deposit, in order to open a Checking Account.	New ECSFCU members must open a Share Savings 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
	** $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.

Fees could reduce the earnings on the account. See our Forms page for Truth-in-Savings Disclosure within the New Account Disclosure document 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. Rates are accurate as of May 1, 2024.

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!

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. 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. Fees could reduce the earnings on the account. Rates are accurate May 1, 2024.

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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.

Would you like to earn $5 gift cards just for correctly answering a few questions?

Help your teen learn more about finances. Download our free financial literacy Zogo app and start earning "pineapples" that can be traded in for gift cards to your favorite retailers. Check out our Zogo page for more information.

*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.

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