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! 

Reap the Free Benefits of Owning Any Checking Accountchecking account

Take advantage of these free 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
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Energy High Interest Checking
Earn Money with Your Account
  • Earn 5.00% APY* on your balances!
  • ECCU ATM fee refunds
  • No monthly fee
  • No minimum Balance 
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Power Checking
Enjoy Exclusive Member Perks & Deals
  • Cell phone protection for up to 4 devices
  • FREE credit monitoring
  • Exclusive discounts & shopper rewards
  • $8 monthly fee
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50-Watt Checking
  • Earn0.06 % APY*
  • No minimum balance
  • No monthly fee
  • Free checks
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Free Star Checking
  • Everyday checking account
  • No minimum balance
  • No monthly fee
 

Checking Account Rates 

Checking Accounts Annual Percentage Yield
Minimum Balance to Obtain APY*
 Minimum Opening
Deposit
Energy High Interest Checking
5.00% on balances up to $20,000.
0.10% on balances $20,000+.
0.25% If account conditions are not met.
 N/A $25
($8 monthly service fee)
 N/A N/A $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 4.00 % $5,000 $25

*APY = Annual Percentage Yield. Effective 7/1/2024 and subject to change.