direct deposit Opening an Account

How do I open an account?

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.

What accounts does ECCU offer?

We offer:

  • Free Checking
  • High-Yield Checking
  • Savings Accounts
  • High-Yield Savings Accounts
  • Share Certificate Accounts

Is there a minimum balance requirement?

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?

Our team can assist in finding the right account for you, or you can check out our account finder.

I ordered my debit card, when will it arrive?

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.

 
 
family in car
 
 
Quick Links
 

money in hand Direct Deposit

 
How do I set up direct deposit?

You can set up direct deposit in online banking -> Go to 'Transfers & Payments' -> Select 'EasySwitch'.

Can I switch my direct deposit from another financial institution?

Yes, you can switch your direct deposit from another financial institution in online banking, using 'EasySwitch'. 

When will my direct deposit be available?

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.





credit card Checking Accounts

What is a High-Yield Checking Account?

High-Yield Checking allows eligible members to earn a competitive dividend rate on qualifying balances while maintaining the convenience of a checking account.

How do I qualify for a High-Yield Checking Account?
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. 
Can my child get paid for A's?
Yes, your child can get paid for A's by opening a Student Checking account. They can get $5 per semester.
Are there any fees associated with checking accounts?
No, there are no fees associated with our checking accounts!


account security Account Access & Security

Are my deposits insured?

Yes. Member deposits are federally insured by the National Credit Union Administration (NCUA) up to applicable limits.

Do I have to call to opt in to Overdraft Protection?

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.
How does ECCU help protect my accounts?
ECCU uses multiple layers of security to help protect your accounts and personal information, including secure online and mobile banking services.
How do I access my accounts?

You can access your accounts through:

  • Online Banking
  • Mobile Banking
  • ATMs
  • ECCU Branches

Can I transfer money between accounts?

Yes. Members can easily transfer funds between ECCU and external accounts through Online Banking and Mobile Banking. 
 
 

hand icon Savings Accounts

What is a High-Yield Savings Account?

A High-Yield Savings Account helps members earn more on their savings while keeping funds accessible for future goals and emergencies.

What is a Share Certificate?

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. 
Are there penalties for withdrawing funds from my Share Certificate early?
Early withdrawals from a share certificate may be subject to penalties. Please review your account agreement or contact ECCU for details.