Checking AccountChecking Account Info

Puts Your Money to Work for You

Compare ECU's Checking accounts to other financial institutions and you'll see what the credit union advantage is all about. ECU's checking accounts earn a competitive rate of interest* and are designed to meet your financial needs.
*Checking balance must be greater than $1000 to earn interest.

Basic Checking

Basic Checking is perfect for many members. It gives them everything they need in a checking account:
  • No per check fees
  • Earns monthly dividend

    (Must have balance over $1000 to earn interest. Dividends are calculated on the Average Daily Balance, then compounded and paid monthly. )

  • Optional Earthmover Visa Debit Card (use at ATMs and wherever Visa is accepted to make purchases from your checking account)
  • Low $99 minimum balance
  • Free Online Banking

Exclusive Membership Club (EMC) Checking

Exclusive members enjoy a higher level of checking services. It just takes three services to qualify for EMC: an Earthmover checking account, an Earthmover Visa Debit Card and an Earthmover Visa Credit Card. EMC checking entitles you to:
  • No minimum balance
  • No monthly service fee
  • No per check fee
  • Earn monthly dividends
    (Must have balance over $1000 to earn interest. Dividends are calculated on the Average Daily Balance, then compounded and paid monthly.)
  • Up to eight free foreign ATM transactions a month (non-Earthmover owned machines) with your Earthmover Visa Debit Card
  • Discounted Secretary of State Renewal Sticker Fee
  • Free Online Banking

Visa Debit Card - Access Around the Clock, Around the World

Access the money in your checking account 24 hours a day with the convenient Visa Debit Card. It looks like a credit card and it's accepted around the world. But funds for purchases come out of your checking account, so using it is like writing a check - only faster and easier. Your Visa Debit Card works like an ATM card, too, giving you instant access to cash when you need it. Transactions are free at Earthmover ATMs. There may be a charge for transactions made at certain foreign (non-Earthmover) ATMs. Each month, your purchases and cash withdrawals will appear on your checking account statement.

Courtesy Pay Overdraft Service

ECU has a great service to give you the protection you need on your checking account for ATM and everyday debit card transactions. Click below on the links to learn more or to Opt-In!

Opt in

Order Checks

Reorder checks online by clicking here or call 1-800-500-2441.

Apply For a Checking Account Today!

Listed below are 3 convenient options for starting the application process:

  1. Fill out our online Account Application Request Form
  2. Stop by one of our Convenient Locations
  3. Call us at 800.844.2ECU

Financial Basics