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 High
Interest Checking
Earn Money With Your Account

  • Earn 3.30% 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
  • $8 Monthly Fee

50 Watt Checking
Perfect Account For 
Members 50+

  • No Minimum Balance
  • No Monthly Fee
  • Competitive Interest
  • Free Checks

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
3.30% 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
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 09/19/2022 and subject to change.