Energy High Interest Checking
As low as
5.00 % APR*
Checking Account Options with Energy Capital Credit Union
Discover the perfect blend of convenience, security, and rewards with ECCU’s range of checking accounts.
Whether you are looking for a simple and free checking account, or something with a little extra, there's an account that fits your needs. 
Plus, when you open any new Energy Capital Checking Account, you get a FREE Gift! 
When You Apply, You Unlock Access To These Features:
  • Free MasterCard Debit Card
  • Free Online & Mobile Banking with Bill Pay
  • Free Mobile Banking with Mobile Deposit*
  • Free E-Statements with Online Check Images
  • Free Account Alerts
  • Free Welcome Gift!
  • Access to more than 30,000 Surcharge Free ATMs Nationwide

Enjoy the Benefits of Energy Capital Credit Union

Find the ECCU Checking Account That is Perfect For You.
Energy Capital has exclusive checking accounts that each offer something different for everyone's unique financial need. Whether you're managing your daily expenses or planning for the future, our checking options empower you to bank confidently and efficiently.
  • Free Star Checking
    Perfect Everyday Checking Account
    No Minimum Balance
    No Monthly Fee
  • Energy High Interest Checking
    Earn an Elevated Dividend
    ATM Fee Refunds
    No Monthly Fee
    No Minimum Balance

Why Bank at Energy Capital Credit Union?

Energy Capital Credit Union is a not-for-profit financial institution that supports our members' financial goals. We do this via savings and loan options that fit what each member needs from a banking partner. As a member, you get to vote and have a say in how our credit union runs.
Open your checking account today and experience the credit union difference. 
ECCU offers a full suite of financial products and services.
  • Checking and Savings Accounts
  • Auto, Boat, Motorcycle and RV Loans
  • Credit Cards and Personal Loans
  • Cryptocurrency & Investing Options
  • Retirement Accounts
  • Financial Counseling
  • Free Notary for Members
  • And More!

Access Your Money Anytime, Anywhere

Life moves fast and your funds should move at the same speed. Energy Capital is committed to serving our members anytime and anywhere. With services like online banking, a wide ATM shared network, and conveniently located branches - you can access us with ease.

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 an ATM near you here.

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.

Get Started Today with an Energy Capital Credit Union Checking Account

Ready to take control of your finances? Opening a Checking Account with ECCU is quick, easy, and hassle-free. Join thousands of satisfied members that use ECCU checking accounts for their everyday purchases.

What You Need To Apply:
  • Government-Issued ID/Drivers License/State ID or Passport with current address
  • Your complete physical and mailing address
  • Social Security Number
  • Date of Birth
How To Apply:

About Energy Capital Credit Union

We're a not-for-profit, member-owned financial partner. We exist to offer our members affordable banking options for everyday and special needs too. Anything a member may need during their lifetime, we have the banking services and products to help.

    We exist to help you build the life of your dreams.
    • We positively impact members’ quality of life.
    • We help make dreams happen.
    • We help those who may not be able to get financial help elsewhere.
    Your FIRST Choice in:
    • Financial Strength
    • Products
    • Services
    We deliver on our promise to provide premier financial
    products and convenient services.
    • We offer competitively priced loan and deposit products
    • We offer services to enhance member convenience
    • We consistently improve the above to remain a viable
    solution for our members
    Today we serve anyone who lives, works, worships, attends school or any business entity located in Harris, Montgomery, Liberty, Brazoria, Fort Bend and Waller County, Texas.
    We are more than 19,000 members strong and growing!

Cruise into Your Next Adventure