Deposits & Withdrawals

Through the credit union CO-OP, ECCU members are a part of the third largest ATM and branch network nationwide. With the CO-OP ATMs and shared branches, you have more direct, surcharge-free* access to your money than most traditional bank customers making it simple and convenient to bank with ECCU.

Your options for convenient deposits and withdrawals:

  • Visit one of 5,000+ CO-OP shared branch locations for deposits or withdrawals from your ECCU accounts. Domestic Shared Branch FAQ and Mobile Check Deposit FAQ. Members must be a U.S. Person with a Social Security Number to deposit or withdrawal at a Shared Branch
  • Get cash from over 30,000 CO-OP ATMs nationwide or over 2.2 million Visa® / Plus ATMs worldwide
  • Deposit cash or checks at over 9,000 deposit taking CO-OP ATMs
  • Deposit checks from your smartphone or tablet with ECCU's mobile app
  • Mail your deposit to our Brea office. Call us to request Bank by Mail envelopes
  • Electronic transfers to and from accounts at other financial institutions through online banking

*Surcharge free with your Visa® Gold check card.

Common Transactions & Fees


Domestic ATM deposits in the CO-OP network: FREE
In-branch deposits at a CO-OP shared branch: FREE
Mobile check deposit: FREE
Incoming transfers from other financial institutions: FREE
International Check Deposited: $2.00
International Currency Deposited: $2.00


Domestic ATM withdrawals in the CO-OP network: FREE
In-branch withdrawal at a CO-OP shared branch: FREE
International ATM withdrawals: FREE
International over the counter withdrawals: $2.50 + .5% of transaction - waived for missionary members with our Interest Checking account
International Transaction Fee (ATM and point-of-sale): 1% imposed by Visa®

*Local bank networks or retailers may charge ATM withdrawal or cash back fees, which are disclosed before you complete the transaction.

See the schedule of fees for all accounts and fees.