
The Smarter Way to Manage Your Everyday Money
Earn 5.25% APY.*
No Fees. Total Flexibility.
If your current checking account isn’t working for you, it might be time for a change. Our High-Yield Checking Account gives you the best of both worlds—easy access to your money and a high return on your balance.

Our High-Yield Checking Account rewards you for things you're already doing—like using your debit card and signing up for paperless statements.
When you meet a few simple monthly steps, you’ll earn up to 5.25% APY* on balances up to $10,000. That’s more than most savings accounts offer—all while keeping your money completely within reach.
Here's how to Start Earning 💸
- Make at least 12 transactions with your ECCU debit card Mastercard ®each month
- Set up direct deposit into your ECCU High-Yield Checking Account
- Free Welcome Gift!
- Free Mastercard® Debit Card
- Free eStatements with Online Check Images
- Free Online & Mobile banking with Bill Pay
- Free Direct Deposit
- Free Access to Zelle®

Getting started with a High-Yield Checking Account is quick, hassle-free, and entirely online. You don’t need to visit a location or gather a pile of documents—just a few easy steps, and you’re on your way to earning more on your everyday funds.
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- Government-Issed ID/Driver's License/State ID or Passport with current address
- Your complete physical mailing address
- Social Security Number
- Date of Birth
- Apply Online or in person at one of our branch locations
- Utilize our convenient 3-step online application
Life moves fast—and your money should keep up. With our digital tools and real-time features, managing your finances on the go is effortless. Whether you're at home, on the road, or traveling, you’re always just a few taps away from your account.

At ECCU, we exist to help our members thrive. When you open a High-Yield Checking Account with us, you’re getting more than just great features—you’re getting personalized service, helpful tools, and support that fits your lifestyle.