Checking Accounts Made Just for You
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!
Reap the Free Benefits of Owning Any Checking Account
Take advantage of these free 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
 High-Yield Checking
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 Free Checking
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 Student Checking
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Checking Account Rates
| Checking Accounts | Annual Percentage Yield |
Minimum Balance to Obtain APY*
|
Minimum Opening Deposit |
|---|---|---|---|
|
|
5.25% on balances up to $20,000.
0.10% on balances $20,000+.
0.25% If account conditions are not met.
|
N/A | $25 |
| Free Checking | N/A | N/A | $25 |
| Student Checking | N/A | N/A | $25 |
| Business Checking | N/A | N/A | $25 |
| Business Interest Checking | 3.50 % | $5,000 | $25 |
*APY = Annual Percentage Yield. Effective 11/1/2024 and subject to change.