High-Yield Checking
Checking Account Options with Energy Capital Credit Union
Discover the perfect blend of convenience, security, and rewards with ECCU’s range of checking accounts.
Whether you are looking for a simple and free checking account, or something with a little extra, there's an account that fits your needs. Plus, when you open any new Energy Capital Checking Account, you get a FREE Gift!
When You Apply, You Unlock Access to These Features:
- Free MasterCard Debit Card
- Free Online & Mobile Banking with Bill Pay
- Free Mobile Banking with Mobile Deposit*
- Free E-Statements with Online Check Images
- Free Account Alerts
- Free Welcome Gift!
- Access to more than 30,000 Surcharge Free ATMs Nationwide
Enjoy the Benefits of Energy Capital Credit Union
Robust Online and Mobile Banking App
Find the ECCU Account that is Perfect for you
Energy Capital has exclusive checking accounts that each offer something different for everyone's unique financial need. Whether you're managing your daily expenses or planning for the future, our checking options empower you to bank confidently and efficiently.
- Free Checking
Perfect Everyday Checking Account
No Minimum Balance
No Monthly Fee
- High-Yield Checking
Currently earning 5.25% APY*
ATM Fee Refunds
No Minimum Balance - Student Checking
Perfect Account for Students
Get paid for every A! *
No Monthly Fee
Get Started Today with an Energy Capital Checking Account
Ready to take control of your finances? Opening a Checking Account with ECCU is quick, easy, and hassle-free. Join thousands of satisfied members that use ECCU checking accounts for their everyday purchases.
What You Need to Apply:-
Government-Issued ID/Drivers License/State ID or Passport with current address
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Your complete physical and mailing address
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Social Security Number
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Date of Birth
How To Apply:
- Stop by one of our ECCU branch locations in Katy, Jersey Village or Spring
- Use quick and convenient 3-step online application
Access your Money Anytime, Anywhere
Life moves fast and your funds should move at the same speed. Energy Capital is committed to serving our members anytime and anywhere. With services like online banking, a wide ATM shared network, and conveniently located branches - you can access us with ease.
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 an ATM near you using our 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. 
About Energy Capital Credit Union
We're a not-for-profit, member-owned financial partner. We exist to offer our members affordable banking options for everyday and special needs too. Anything a member may need during their lifetime, we have the banking services and products to help.
- OUR PURPOSE
We exist to help you build the life of your dreams.
• We positively impact members’ quality of life.
• We help make dreams happen.
• We help those who may not be able to get financial help elsewhere. - OUR VISION
Your FIRST Choice in:
• Financial Strength
• Products
• Services - WHAT WE DO
We deliver on our promise to provide premier financial
products and convenient services.
• We offer competitively priced loan and deposit products
• We offer services to enhance member convenience
• We consistently improve the above to remain a viable
solution for our members - MEMBERSHIP QUALIFICATIONS
Today we serve anyone who lives, works, worships, attends school or any business entity located in Harris, Montgomery, Liberty, Brazoria, Fort Bend and Waller County, Texas.
We are more than 19,000 members strong and growing!
