High-Yield Checking Account
As high as
5.25%
APY*

 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. 

couple running
Earn More Without Changing your Routine

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

Earn 5.25%
APY* 
check mark
No
monthly fees
atm icon
Access to 30,000+
free ATMs nationwide!
No
minimum balance
Real-time alerts
& debit card controls

Plus, Enjoy These Additional Benefits!
 
  • 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® 
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Opening an Account is Simple!

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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What you Need to Apply:
 
  • Government-Issued ID/Driver's License/State ID or Passport with current address
  • Your complete physical mailing address
  • Social Security Number
  • Date of Birth 
How to Apply:
 
  • Apply Online or in person at one of our branch locations
  • Utilize our convenient 3-step online application
Access your Money Anytime, Anywhere
 

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.

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Mobile & Online Banking
With our digital banking experiences, you can take your finances with you on the go with our updated mobile app and access your funds with our online banking portal. Cards, transfer, investing, and more!

ATM Network
Deposit or withdraw what you need to at one of our branch located ATMs or at one of the many shared ATMs located across the Houston area. Locate the closest ECCU ATM or Branch using our ATM and branch locator

Member Support
Get in touch with us for any of your questions and concerns. Contact us online, by phone, in-person at one of our branches, or using our online chat feature.



A Smart Choice for your Financial Life
 

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.