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Opening an Account
| How do I open an account? |
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Opening an account is easy. You can apply online or visit an ECCU branch to get started. Our team can help you choose the account that best fits your needs. |
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What accounts does ECCU offer?
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We offer:
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Is there a minimum balance requirement?
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Minimum balance requirements vary by account type. Review the account details or contact us for specific requirements. |
| How do I know which account is right for me? |
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Our team can assist in finding the right account for you, or you can check out our account finder. |
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I ordered my debit card, when will it arrive?
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Debit cards typically arrive within 7 to 10 business days after they are ordered. If it has been longer than 10 business days, please contact us and we'll be happy to check the status of your card. |
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Does ECCU offer money orders? |
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ECCU offers a full range of services, including money orders and teller’s/cashier’s checks. |
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Does ECCU offer Currency Exchange? |
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Energy Capital Credit Union does not currently offer foreign currency exchange services. |
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Do you have Notary Service and if so, what branches offer them? |
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Notary services are available at all of our locations. Please contact our Call Center to schedule an appointment with one of our notaries at 832-604-4848. |
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Direct Deposit
| How do I set up direct deposit? |
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You can set up direct deposit in online banking -> Go to 'Transfers & Payments' -> Select 'EasySwitch'. |
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Can I switch my direct deposit from another financial institution?
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Yes, you can switch your direct deposit from another financial institution in online banking, using 'EasySwitch'. |
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When will my direct deposit be available?
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Direct deposits are typically available on your scheduled payday. In some cases, funds may be available up to 1 day earlier depending on your employer's payroll processing schedule. |
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Checking Accounts
| What is a High-Yield Checking Account? |
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High-Yield Checking allows eligible members to earn a competitive dividend rate on qualifying balances while maintaining the convenience of a checking account. |
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How do I qualify for a High-Yield Checking Account?
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To earn the top APY for High-Yield Checking, you must set up direct deposit and make at least 12 debit card transactions a month.
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Can my child get paid for A's?
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Yes, your child can get paid for A's by opening a Student Checking account. They can get $5 per semester.
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Are there any fees associated with checking accounts?
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No, there are no fees associated with our checking accounts!
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Account Access & Security
| Are my deposits insured? |
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Yes. Member deposits are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. |
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Do I have to call to opt in to Overdraft Protection?
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You can opt out of Overdraft Protection by contacting Member Services or visiting a branch. A representative can help you review your options and process your request. |
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How does ECCU help protect my accounts?
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ECCU uses multiple layers of security to help protect your accounts and personal information, including secure online and mobile banking services.
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How do I access my accounts?
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You can access your accounts through:
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Can I transfer money between accounts?
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Yes. Members can easily transfer funds between ECCU and external accounts through Online Banking and Mobile Banking. |
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What would be the process to close my account? |
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We’re sorry to hear that you would like to close your account. You can request to close your account by calling our Contact Center at 832-604-4848. Our team will be happy to assist you with the account closure process. |
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How do I add a beneficiary to my account? |
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We're happy to help you add a beneficiary to your account. Please contact Energy Capital Credit Union at 832-604-4848 or visit a branch, and one of our team members will assist you with the process. |
Savings Accounts
| What is a High-Yield Savings Account? |
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A High-Yield Savings Account helps members earn more on their savings while keeping funds accessible for future goals and emergencies. |
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What is a Share Certificate?
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A share certificate allows you to earn a fixed dividend rate for a specific term in exchange for leaving your funds on deposit until maturity. |
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Are there penalties for withdrawing funds from my Share Certificate early?
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Early withdrawals from a share certificate may be subject to penalties. Please review your account agreement or contact ECCU for details.
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