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Being a member of your local credit union is more modern than you think! Energy Capital Credit Union’s online banking and mobile banking app have made it easier to manage your finances 24/7. When life gets busy, save time when you check balances, move money, and stay on top of your goals anytime and anywhere. It’s simple, secure, and fast. Keep reading to learn more about the convenient features available.
Improve Your Credit Score
It’s time to stop playing guessing games with your credit score. You can find out exactly what your score is at any time, with no negative impact to your score. Get alerts for anytime something changes, and review a detailed report on each credit score factor with a simple grading system. The app will tell you exactly what’s going on and also provide personalized offers and resources for improvement.
Ready to buy a car or open a new credit card? From trying a new way to boost your score to seeing if you’ll get approved for big plans, you can test it all out before you start an application with our credit score simulator! Get an accurate depiction of how your credit score may be affected by different actions before actually doing it.
Manage Investments With Ease
We’re making investing more accessible and less complicated with EasyVest®1 and EasyCoin®2. You can start small, learn as you go, and grow at your own pace all inside the ECCU app. There’s an option for you based on your specific investment goals. Learn the basics, move money easily, and choose what works for you.
You don’t have to trade on your own. Tell us about your goals and risk tolerance, and let our algorithm choose for you based on your selected criteria. EastVest® Automated Investing only requires a $200 minimum deposit to get started, and allows for a much more hands off approach. Our digital advisors will select the most optimal investment moves based on your personal goals to create a portfolio including automated rebalancing and ETFs.
EasyVest® YourChoice is a simple and convenient way to make your own investment moves. Take control of your portfolio and your future by deciding which stocks and ETFs to buy and sell. Start investing any amount over $1,000 on your own terms and timeline!
Curious about crypto? EasyCoin® is the simplest way to buy and sell crypto in real time. Transfer to and from your ECCU checking and savings accounts with ease. We’ll even give you simple learning tools, so you understand the basics before you dive in. Start small and grow on your terms with EasyCoin® and EasyVest® in ECCU online and mobile banking.
Custom Account Permissions and Alerts
No one likes getting overloaded with app notifications and marketing messages, but turning off your notifications will prevent you from staying up to date on your account activity. That’s why you can manage specific preferences on what you get notified for. Your phone buzzes enough, so let’s keep it useful. Choose alerts that matter most to you from when your account balance changes by a specific amount, a loan payment is due, a large transaction clears, and more.
Got a student with an Energy Capital Credit Union account? Family sharing is easy on the mobile app. Allow account permissions to manage your students account or share access to accounts with your spouse. The purpose of ECCU’s online and mobile banking is to put the power back in your hands, so we’re making it as easy as possible for you to take control of your financial journey.
Send and Receive Money Fast With Zelle® and Direct Deposit
Money can hit your account sooner when you set up direct deposit with EasySwitch. Need to pay a friend back for dinner? Or split rent with your roommate? With Zelle®, you can send money straight from your ECCU app to almost anyone with a bank account quickly, conveniently, and without any fees.
Set up direct deposit in seconds with EasySwitch and start receiving your paycheck up to one day early!3 There are no forms and no delay. Simply log into the ECCU mobile app and select ‘EasySwitch’ under ‘Transfers & Payments’ and follow the easy steps to set up automatic payments. Start receiving your money sooner, automating savings, and never paying a bill late.
Business Banking Simplified
Being a business owner is difficult enough! You shouldn’t have to pay fees or worry about banking. Managing your business cashflows can be quick, easy and free! Create templates for frequent charges and send invoices to any of your recipients for a convenient payment process. Track everything all in one place with a convenient and organized view. Plus—give additional users full access to your business bank accounts or select permissions on certain savings or checking accounts. Manage who specifically on your team can perform actions and place limits on amount totals. Learn more about our business accounts here.
Predictive Spending and Forecasting
Budgeting just got a lot easier thanks to ECCU online and mobile banking technology. Each month, you can receive a predicted spending forecast unique to your previous history of spending habits. This allows you to make more informed purchase decisions and create a budget for the month with more accuracy by checking your forecasted balance. You’ll be given a numerical estimate of what your balance might be in the days ahead based on previous data with our predictive spending analysis tool. You can even choose to be notified when specific accounts are forecasted to reach an insufficient balance soon.
Personalized Help for All Members
If you want personal support analyzing and improving your spending habits, ECCU certified financial counselors can help! Get started today by scheduling a FREE appointment. Take advantage of the tools you have available as an ECCU member. We are here to help you on your journey to financial success.
