Simple features, convenient options, and helpful benefits.
All with ways to keep it totally free!

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ECCU Checking Accounts

We believe personal banking should be straightforward and easy to manage. That’s why we’re committed to providing simple, convenient checking options to meet the needs of your everyday life.

What do you want most from your account?

Checking Icon

I don’t want to pay fees.


Our basic checking account features free online banking and bill pay. Select online statements and enjoy no monthly fees.

Checkbook Icon

I want to earn interest.

Interest Checking

This premium checking account includes many of the same benefits as basic checking, plus it earns interest.

Compare Checking Accounts

Right for you if...
You want the basics.
Interest Rate
Minimum Opening Deposit
Monthly Maintenance Fee
$3 monthly paper statement fee
How to keep it free
Opt out of paper statements
Right for you if...
You want to earn a higher interest rate.
Interest Rate
0.15% APY1
Minimum Opening Deposit
Monthly Maintenance Fee
How to keep it free
Maintain a $1,000 minimum daily balance or $5,000 combined accounts balance

Rates Effective: August 01, 2022

1APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. For dividend-bearing checking and savings accounts, ECCU pays dividends monthly on the last day of each month. Withdrawal of dividends and fees may reduce earnings on this account.

Please refer to ECCU's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 877.545.0755 or internationally at 714.671.5705.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.