Teen Checking T-in-S Addendum - East County Schools Federal Credit Union
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Teen Checking Account

Addendum to East County Schools Federal Credit Union

Truth-in-Savings Disclosure and Agreement.

 

General Information: In the following agreement the words "YOU", "YOUR", "YOURS" and "MEMBER" mean each and all of those (whether one or more persons) who are subject to the agreement(s) as a result of signing a Membership Application / Signature Card for this Account. The words "WE", "US", "OUR", "Credit Union" and ECSFCU means the East County Schools Federal Credit Union.

Minimum Balance to Open: A minimum initial deposit of $20.00 is required to open a Teen Checking Account.

Minimum Balance Requirement: None.

Dividend Rates: This account is a non-interest bearing account.

Electronic Services Limitations: You will be limited to $300 per day for Debit Card POS or ATM Transactions. You will be limited to $300 per day for Signature Debit Transactions.

Fees and Charges: Refer to our Schedule of Fees and Charges.

Additional Terms and Conditions: Teen Checking is only available to those members who are between the ages of 13 and 17 at the time the account is opened and are currently a fulltime student. A Parent or Legal Guardian must be a signor on the account. The Credit Union will pay for one (1) box of 25 personal checks per year.

"Good Grades" Bonus Rewards: The Student can earn a "Good Grades" bonus reward of $10 by submitting their report card showing a GPA of 3.00 or higher. Report card must be submitted no later than 45 days after the date of the report. Only two (2) report cards can be submitted each year. 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 earn a Good Grades bonus.

This is a limited Truth-in-Savings Disclosure and Account Agreement, view all disclosure and account information.

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Members LoveECSFCU!

  • 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