Choose the Account That Fits You Best

Free Checking

Spend more on joy and less on fees.

No monthly service fees or minimum balance
Get paid faster with EasySwitch direct deposit
Free debit card with access to Zelle®, OLB, Mobile App, and 55,000+ ATMs
Your everyday account simple, transparent, stress-free

Open a Free Checking Account Today

High-Yield Checking

Earn more on the money you use every day.

Earn interest on your daily balance
Use EasySwitch to keep your account funded automatically
Enjoy unlimited access check writing, debit, ATMs, branches
Everyday checking that rewards your loyalty

Open a High-Yield Checking Account

High-Yield Savings

Grow your savings effortlessly, every dollar counts.

Competitive tiered savings rates, the more you save, the more you earn
Set up automatic transfers from Checking with EasySwitch
Manage anytime through OLB + Mobile App
Build long-term financial security with ECCU

Open a High-Yield Savings Account

Smart Financial Tools, Built for You

Simplify your financial routine with ECCU’s All Access Banking tools.

Feature	Benefit
Local Branches + ATMs	Enjoy nationwide access and personalized ECCU service, plus over 30,000 surcharge-free ATMs right here in the Greater Houston area.
EasySwitch	Switch your direct deposit in minutes, no hassle, no paperwork
Zelle®	Send and receive money instantly with friends and family
Online & Mobile Banking	Access your accounts, pay bills, and transfer funds anywhere

Why ECCU This Holiday Season?

Trusted by 20,000+ members across Houston and surrounding communities
Focused on people helping people, not profit
Backed by over 90 years of local commitment
Modern tools with the heart of a community credit union

Ready to Start the Season Strong?

Open your ECCU Checking or Savings account today and step into 2026 feeling confident, connected, and financially ready.

Checking Accounts

Saving Accounts

FAQ

What makes ECCU’s Free Checking really free?

No monthly service fees. No minimum balance. No hidden charges.
You get a truly free account designed to make everyday banking simple, plus access to your money anytime through your debit card, Zelle®, and the ECCU mobile app.

How does High-Yield Checking work?

High-Yield Checking lets you earn interest on the money you already use every day.
As long as you keep your account active and meet easy usage requirements, you’ll earn competitive rates on your balance, turning daily spending into daily earnings.

What are tiered savings rates, and how can I benefit?

ECCU’s High-Yield Savings uses a tiered rate system, the more you save, the higher your rate.
It’s a great way to reward consistent saving, whether you’re building an emergency fund or saving for next year’s goals.

How do I switch my direct deposit to ECCU?

With EasySwitch, switching your direct deposit only takes a few minutes.
You can log in through Online Banking or the ECCU app, follow the EasySwitch steps, and your payroll will be redirected automatically, no forms, no hassle.

Can I use Zelle® with my ECCU account?

Absolutely! Once you have your ECCU Checking account, you can send and receive money quickly and securely with Zelle® through your ECCU mobile app, no extra fees, just instant convenience.

How do I open a new account?

You can open your ECCU account online in minutes or visit your nearest branch.
Click “Open an Account” on this page to get started, and join 20,000+ members already banking smarter with ECCU.

How do I switch my direct deposit to ECCU using EasySwitch?

It’s quick and paper-free!

On Online Banking or the Mobile App:
1️⃣ Log in to your ECCU account.
2️⃣ Select “EasySwitch.”
3️⃣ Choose your employer or payroll provider.
4️⃣ Follow the prompts to confirm.

That’s it , your next paycheck will go straight into your ECCU account automatically.