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 Accountchecking 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

icon of hand holding money
 
High-Yield Checking
hand holding money
Free Checking
dollar sign icon
Student Checking
  • Earn 5.25 % APY* on your balances!
  • ECCU ATM fee refunds
  • No monthly fee
  • No minimum balance 
  • Everyday checking account
  • No minimum balance
  • No monthly fee
 
 
  • The perfect account for students!
  • ECCU will pay you for getting A's!
  • Free access to Zelle® and Mobile Banking
  • No monthly fee
  • No minimum balance

Checking Account Rates 

Checking Accounts Annual Percentage Yield
Minimum Balance to Obtain APY*
 Minimum Opening
Deposit


High-Yield Checking
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 3.00 % $5,000 $25

*APY = Annual Percentage Yield. Effective 12/1/2024 and subject to change.