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 Account

In addition to 24-hour access to your account, take advantage of the 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
  • Access to more than 30,000 Surcharge Free ATMs Nationwide
  • Free Welcome Gift!

Energy High
Interest Checking
Earn Money With Your Account
  • Earn 5.00 %APY* 
  • ECCU ATM Fee Refunds
  • No Monthly Fee
  • No Minimum Balance

Power Checking 
Enjoy Exclusive
Member Perks and Deals

  • Cell Phone Protection for up to 4 devices
  • FREE Credit Monitoring
  • Exclusive Discounts & Shopper Rewards
  • $8 Monthly Fee

50 Watt Checking
Perfect Account For 
Members 50+

  • Earn 0.06%APY*
  • No Minimum Balance
  • No Monthly Fee
  • Free Checks

Free Star Checking
A Free Account For Everyone

  • Everyday Checking Account
  • 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
5.00 % on balances up to $20,000.
1.00% on balances $20,000+.
1.00% 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 9/1/2023 and subject to change.