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!
Use the checking account assessment tool to learn more about each account and decide which will work for your needs.
Assess Your Needs
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 HighInterest CheckingEarn Money With Your Account
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Power CheckingEnjoy Exclusive
Member Perks and Deals
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50 Watt CheckingPerfect Account For
Members 50+
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Spark Interest CheckingEarn Interest While
Conveniently Online Banking
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Free Star CheckingA Free Account For Everyone
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Checking Account Rates
| Checking Accounts | Annual Percentage Yield |
Minimum balance to Obtain APY*
|
Minimum Opening Deposit |
|---|---|---|---|
| Energy High Interest Checking |
2.01% 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)
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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 04/01/2022 and subject to change.