Find Your Checking Account at ECCU

Whether you are looking for a simple and free checking account or something with a little extra, we have an account that will fit your needs. Plus, when you open any new Energy Capital Checking Account, we will give you a free gift!

All of our checking accounts come with these free services:

  • 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 30,000 Surcharge Free ATMs Nationwide
  • Free Welcome Gift

Energy High-Interest Checking

Earn more money with the account you use every day

  • 1.30% APY* on balances from $1 to $20,000
  • No monthly service charge
  • FREE first box of checks
  • Only three simple qualifiers each month to earn higher interest rate:
  • 1. Conduct 12 Debit Card transactions per month
  • 2. Receive eStatements
  • 3. Log into Online Banking once a month

Power Checking

A checking account for those interested in added benefits for only $5 a month

  • Identity & Credit Monitoring
  • Exclusive Discounts & Shopper Rewards
  • Discounted Movie Tickets
  • Cell Phone Protection for up to 4 devices

50 Watt Checking

A perfect account for
members 50 and over

  • FREE checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Spark Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment!

  • Free first box of checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Free Star Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge

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 0.06% $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 06/01/2021 and subject to change.