Checking

ECU offers members several checking account options, each with their own benefits. We can help you find the one that fits your needs.

REGULAR CHECKING

This is our basic checking account and has no direct deposit requirements. Open this account with a $100 deposit.

Account includes:

  • No per transaction fees
  • Free ATM card
  • Free MasterCard® Checking/Debit Card*
  • Free Online Banking – access your account history 24/7
  • Free Online Bill Pay
  • Free eStatements
  • $500 Overdraft Protection*
  • Free notary service
  • $5 monthly service fee if your daily balance falls below $500
  • Dividends paid on daily balances of $500 or more
  • Optional MasterCard® credit card

 *Subject to normal credit approval.

DIRECT CHOICE

This account requires the direct deposit of your paycheck, social security payment, retirement check, annuity check or another qualifying recurring deposit/payment.  Open this account with a $100 deposit.

Direct Choice checking offers:

  • No minimum balance
  • No monthly service fees
  • No per transaction fees
  • One free box of checks per year
  • Free ATM card
  • Free Online Banking – review your account history 24/7
  • Free Online Bill Pay
  • Free eStatements
  • Free MasterCard® Checking/Debit Card*
  • Free money orders
  • 50% off the rental of a small safety deposit box (subject to availability) 
  • Free notary service
  • $500 Overdraft Protection*
  • Dividends paid on daily balances of $500 or more
  • Optional MasterCard® credit card*

*Subject to normal credit approval.

COLLEGE CHOICE

This account is designed for college students, ages 18-25. Open this account with a $100 deposit.

College Choice Checking benefits include:

  • No monthly service fees
  • No minimum balance requirements
  • No direct deposit requirements
  • Dividends paid on daily balances of $500 or more
  • Free Online Banking, Online Bill Pay and eStatements
  • Free ATM card
  • Free MasterCard® Checking/Debit Card*
  • First box of checks are free
  • Optional MasterCard® credit card*

  Must be 18-25 years old and show proof of enrollment in a college to qualify for this account.
*Subject to normal credit approval.

CLUB 55/PRIME CHOICE

This account is designed for members age 55 and older. Open this account with a $100 deposit.

Benefits include:

  • No monthly service fees
  • No minimum balance
  • No per transaction fees
  • Free ATM card
  • Free MasterCard® Checking/Debit Card*
  • Free money orders
  • Free notary service
  • One free box of checks per year
  • 50% off the rental of a small safety deposit box (subject to availability)
  • Free Online Banking – access your account history 24/7
  • Free Online Bill Pay
  • Free eStatements
  • $500 Overdraft Protection*
  • Dividends paid on daily balances of $500 or more
  • Optional MasterCard® credit card*

*Subject to normal credit approval