A Checking Account That Pays You Back 

If you’re looking to make the most of your money, a high-interest checking account is a great way to put your money to work. Let’s talk about how these accounts work.

What is a high-interest checking account?

A high-interest checking account is a type of account that earns you interest on your average daily balance, which means you’re earning extra cash without doing a thing. It’s a great way to jumpstart your savings, but it’s not a savings account! The difference between a high-interest checking account and a savings account is the access you have to your money. With a savings account, you don’t receive a debit card, and typically can only withdraw money a limited number of times per month. With a high-interest checking account, you have 24/7 access to your money, just like you would a regular checking account.

How does a high-interest checking account work?

You can use a high-interest checking account just like a standard checking account. It comes with all the same features; the only difference is you’re earning a higher interest percentage while your money sits in your account. At ECCU, we require account holders to make 12 or more debit card purchases each month, receive monthly eStatements, and log into Online Banking at least once a month. By completing these steps each month, you’ll receive the highest interest rate. It’s that easy!

Why should you open a high-interest checking account?

If you’re looking to grow your money, a high-interest checking account is like the best of both worlds. You have easy access to your money AND you’re earning interest without lifting a finger. It’s also a great way to keep you from spending your savings. And it’s completely safe. All money you have deposited at ECCU is federally insured by NCUA.

 Earn more with Energy High-Interest Checking

At Energy Capital Credit Union, we offer a high-interest checking account with competitive rates. All you need is $25 to open your account, and then you can sit back and watch your money go to work for you! You won’t believe how easy it is to earn money with this account. If you already have a checking account with us, we can switch you to this account.

Give us a call at 832-604-4848 or open your account online!


*APY=Annual Percentage Yield. Rate current as of 2/01/2022, view current rates here. Credit union rules and regulation apply. Other fees such as non-sufficient funds, overdraft, continuous overdraft fees, etc. may apply. See the Fee Schedule for more details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift is provided at time of account opening. We reserve the right to substitute a gift of similar value.