Checking Accounts Made Just For You 

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! 


Not sure which checking account best suits you?

Let us help!


Reap the Free Benefits of Owning Any Checking Account

  • 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
  • Access to more than 30,000 Surcharge Free ATMs Nationwide
  • Free Welcome Gift!

Energy High

Interest Checking

Earn More Money
With Your Account

  • Earn 1.31% APY* 
  • No Monthly Fee

Power Checking 

Enjoy Exclusive
Member Perks and Deals

  • Cell Phone Protection for up to 4 devices
  • FREE Credit Monitoring
  • Exclusive Discounts & Shopper Rewards

50 Watt Checking

Perfect Account For 
Members 50+

  • No Minimum Balance
  • No Monthly Fee
  • Competitive Interest

Spark Interest Checking

Earn Interest While
Conveniently Online Banking

Free Star Checking

A Free Account For Everyone

  • Earn Interest With Direct Deposit
  • No Minimum Balance
  • No Monthly Fee

  • FREE 
  • No Minimum Balance
  • No Monthly Fee

Checking Account Rates 

Checking Accounts Annual Percentage Yield
Minimum  balance to Obtain APY*
Minimum Opening
Energy High Interest Checking
1.31% on balances up to $20,000.
0.20% on balances $20,000+.
 0.01% if account conditions are not met.
N/A $25
($5 monthly service fee)
N/A N/A $25
Spark Interest Checking 0.25% $0 $25
50 Watt Checking 0.06% $0 $25
Free Star Checking N/A N/A $25
Business Checking N/A N/A $25
Business Interest Checking 0.06% $5,000 $25

*APY = Annual Percentage Yield. Effective 11/01/2021 and subject to change.