Teen Checking - East County Schools Federal Credit Union
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Teen Accounts

For Children of Members Ages 13 to 17-years-old

Because understanding how bank accounts, debit cards and finances work will help you make better decisions related to managing your money as you become an adult.

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

It’s Simple to Start!

  1. Select a parent or legal guardian to be joint on the account with you***
  2. Visit a branch with your parent or legal guardian to open your account
  3. What to bring:

            Adult: Legal Photo ID such as Drivers License

            Teen: California ID Card or Drivers License or Social Security Card

            $25 to open (or more): $5 for the Share Savings Account and $20 for the Teen Account

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

Complete Teen Financial Education Lessons

  
Additional Account Information

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.

 

*New membership requires opening a Share Savings Account with a minimum $5 deposit

**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.

***Adult or legal guardian must be an East County Schools Federal Credit Union member or be eligible to become a member.

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
  • FREE Mobile App with card lock option
  • 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 (plus $5 to open a share account)
  • NO Minimum Balance Requirement

Checking Rates

Financial Education

Need to know which Financial Education links to use
Need to know which Financial Education links to use
Need to know which Financial Education links to use
Need to know which Financial Education links to use

Members LoveECSFCU!

  • ECS-logo

    From the beginning of the process to the day of funding, Suzy and her assistant, Lance, were exactly what anyone would hope for when refinancing their home. They responded to all my questions with patience and in a timely manner. They let me know what to expect and when to expect it every step of the way. I couldn't be more pleased with the service I received. Thank you Suzy and Lance for making this so easy!

     

    Elissa Ellis-MacLeod, on her ECSFCU home refinance
  • ECS-logo

    My Loan Officer, Mireya, is truly an asset to ECSFCU. She is competent, articulate, sweet and compassionate. When there was an error in the payoff of my car, Mireya personally took a credit union check and drove it to the dealer to correct it, the same day. We are thankful for the time and effort she put into this important transaction.  That’s customer service, and she is leading the pack!

     

     

    Jack Charles, Grossmont High School District, retired
  • Kevin Miller original headshot-01

    Kevin Miller likes to connect good people to great resources. He’s been an enthusiastic fan of East County Schools Federal Credit Union since 2013 when we were known to the education community as Grossmont Schools Federal Credit Union, more than five years ago. “Every person I’ve referred to ECSFCU has raved about the lower rates, better terms and great treatment they get.” From 4.00%APR eChecking to amazing auto loan rates to 0% interest classroom loans, he says, “There has never been a dropped ball or bad experience for anyone I’ve ever referred to ECSFCU.”

    Kevin Miller - Administrative Pastor of Foothills Christian Church
  • Cathy Sprecco with Koala - Australia 2015

    I had a fantastic trip to Switzerland and Austria this past summer with East County Schools FCU and the SD East County Chamber of Commerce. This was my 6th trip with this fun group! The Educator Tour, guided by the infamous Steve Devan, is the perfect way to truly see and experience any country. The train ride through the Alps was a personal favorite and such an amazing experience. Seeing and hearing cows and goats with real bells grazing on the side of the mountains made me want to sing a favorite "Sound of Music" song and look for Heidi or her grandpa around every turn! I really felt immersed in the culture. The extra servings of warm apple strudel helped too!

     I am a single traveler and all worries are put aside on these well-coordinated trips. Almost everything is taken care of for the travelers so I always feel spoiled! The fellow Educator Tour travelers that I have met from other districts and other walks of life have become my life-long friends! These trips are so dear to me that I have a separate savings travel account where I dedicate a small monthly amount to be ready for the next country!

    Come join us!

    Cathy Sprecco - First Grade Teacher in Lakeside Union School District
  • Grant Nelson 2019

    When I became an ECSFCU member, I immediately refinanced my house and got better rates for two cars. East County School employees who are just starting out, this is the best place to be! ECSFCU can help you secure your financial life.

    Grant Nelson - 8th Grade History Teacher in La Mesa Spring Valley Schools
  • Grant Nelson 2019

    While overseas I found myself in the frightening situation of being out of cash and with two debit cards from other financial institutions that weren’t working, despite my travel notice pre-planning. ECSFCU’s amazing member services team stayed late on a Friday to approve and immediately fund a quick loan that made the rest of our trip wonderful. Nobody else does that! Not only is it something that I will never forget, but it’s something I want to tell everyone about.

    Grant Nelson - 8th Grade History Teacher, La Mesa Spring Valley Schools
  • 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
  • Todd Linke IMG_4888 no wording cropped
    After financing a newly purchased truck with ECS, Todd wrote: Thank you for your efficient and friendly service! I always appreciate the "small bank" customer service, but the "big bank" options!
    Todd Linke, Mount Miguel HS Science Department
  • Karl Danielson 2018
    I've bought three cars through the credit union. They make it very easy, very simple, and you can't beat the interest rate. I highly endorse them, their friendly staff, and the service that East County Schools gives its members!
    Karl Danielson Granite Hills HS Television, Film and Digital Media Teacher
  • 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