Updates to Funds Availability Policy Disclosure
Skip to main content

Online Banking

Open An Account  |  Apply For A Loan

What's New

Updates to Funds Availability Policy Disclosure

There’s been a change in federal regulations, so our Funds Availability Policy Disclosure has been updated. As of July 1, 2025, the amount of funds available when you deposit a check at an ATM or a branch have increased.

Here’s what’s changed:

  • The first $275 from most check deposits (previously $225) will be available the next business day after the deposit is made.
  • Checks totaling more than $6,725 on any one day (previously $5,525) deposited to East County Schools FCU accounts that you (and others) own, may be held for longer.

There’s nothing you need to do—except enjoy the increase in available funds.

View the full Account Disclosures and Agreement here.

If you have any questions, please call us at 619-588-1515.

Advertisement for financial literacy app Zogo and the QR code and access code to begin using this app

Members LoveECSFCU!

  • 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