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High-Yield Checking Account
As high as
5.25%
APY*
High-Yield Checking That Works as Hard as You Do
Get rewarded just for using your account.
No fees. Total flexibility.
You use your checking account every day—shouldn’t it give something back? ECCU’s High-Yield Checking Account offers up to 5.25% APY* on balances up to $20,000. It’s easy to use, packed with features, and puts your money to work without locking it away.
Real Rewards. No Roadblocks.
You don’t need to jump through hoops to earn with this account. Just meet a few easy monthly steps, and you’ll unlock one of the most competitive interest rates around.
Here's How to Start Earning 💸
- Make at least 12 transactions with your ECCU debit card Mastercard ®each month
- Set up direct deposit into your ECCU High-Yield Checking Account
What You'll Get
- Up to 5.25% APY*
- No Monthly fees
- No Minimum Balance Requirement
- Access to 30,000+ ATMs Nationwide, Fee Free
- Free Welcome Gift
- Free Mastercard® Debit Card
- Free eStatements with Online Check Images
- Free Online & Mobile banking with Bill Pay
- Free Direct Deposit
- Free Access to Zelle®
Opening an Account is Simple!
No long forms. No waiting. No surprises.
What you Need to Apply:
- Government-Issed ID/Driver's License/State ID or Passport with current address
- Your complete physical mailing address
- Social Security Number
- Date of Birth
How to Apply:
- Apply Online or in person at one of our branch locations
- Utilize our convenient 3-step online application
Access your Money - Anytime, Anywhere
Life moves fast—and your money should keep up. With our digital tools and real-time features, managing your finances on the go is effortless. Whether you're at home, on the road, or traveling, you’re always just a few taps away from your account.
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Mobile & Online Banking
With our digital banking experiences, you can take your finances with you on the go with our updated mobile app and access your funds with our online banking portal. Cards, transfer, investing, and more!
ATM Network
Deposit or withdraw what you need to at one of our branch located ATMs or at one of the many shared ATMs located across the Houston area. Locate the closest ECCU ATM or Branch using our ATM and branch locator
Member Support
Get in touch with us for any of your questions and concerns. Contact us online, by phone, in-person at one of our branches, or using our online chat feature.
More Than Just an Account
When you join ECCU, you become part of something bigger. We're committed to helping you grow—whether that means reaching financial goals, making smarter decisions, or just keeping things simple.
We offer local service, digital convenience, and products designed to support your lifestyle.