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Use your debit card at 30,000+ ATMs nationwide

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Deposit checks with your phone

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Visit 5,000+ CO-OP shared branch locations

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 and FREE deposits and withdrawals:

  • Easily deposit up to $10,000 per day for free while you're on the go with your Smartphone or Tablet. Follow the on-screen instructions to take a picture of your check and choose which account to deposit in. It's simple and secure! For more information, see the Mobile Check Deposit FAQs.
  • Visit one of over 5,000 CO-OP shared branch locations to access your ECCU accounts, make deposits or get cash. For more information, see the Shared Branch FAQs.
  • Get cash from over 30,000 CO-OP ATMs nationwide.
  • Deposit cash or checks at over 9,000 deposit taking CO-OP ATMs.
  • 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
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: $3.50 each
International over the counter withdrawals: $2.50 + .5% of transaction
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 Personal Account Information and Fee Schedule for all account and fee information.