Looking for an account to earn interest?
High Interest Checking
As low as
5.00  % APR*
Free Checking

Say goodbye to hidden fees, monthly charges, and sneaky fines. Energy Capital created a free checking account designed for everyone whether you are a first time account holder or a long term member. Open your account today and enjoy the freedom of flexibility of Free Star Checking. 

When you open your account, not only aren't you met with any fees, you get to enjoy this long list of features!
  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Thank You Gift
  • FREE Mobile Banking and Mobile Deposit
  • FREE eStatements with Online Check Images
  • Buy back of your unused checks and debit cards from another financial institution up to $10

Enjoy the Benefits of Energy Capital Credit Union
Checking Accounts

The One Account To Meet Your Needs

Ready to take control of your finances? Opening a Free Checking Account with ECCU is quick, easy, and hassle-free. Join thousands of satisfied members who have made the switch to fee-free banking.

What You Need To Apply:
  • Government-issued ID/Drivers License/State ID or Passport with current address
  • Your complete physical and mailing address
  • Social Security Number
  • Date of Birth
How To Apply:

  • Apply Online or in person at one of our branch locations
  • Utilize our convenient 3 step online application

Access Your Money Anytime, Anywhere

Life moves fast and your funds should move at the same speed. Energy Capital is committed to serving our members anytime and anywhere. With services like online banking, a wide ATM shared network, and conveniently located branches - you can access us with ease.

Mobile & Online Banking
With our digital banking experiences, you can take your finances with you on the go with our updated mobile app and access your funds with our online banking portal. Cards, transfer, investing, and more!

ATM Network
Deposit or withdraw what you need to at one of our branch located ATMs or at one of the many shared ATMs located across the Houston area. Locate an ATM near you here.

Member Support
Get in touch with us for any of your questions and concerns. Contact us online, by phone, in-person at one of our branches, or using our online chat feature.


Energy Capital Credit Union is a not-for-profit financial institution that is committed to supporting our member's finances and financial goals. As a member, you get to vote and have a say in how our credit union runs. Join today and experience the credit union difference. 
ECCU offers a full suite of financial products and services
  • Checking and Savings 
  • Loan Options
  • Credit Cards
  • Investing
  • Retirement Accounts
  • Financial Counseling
  • And More!

Cruise into Your Next Adventure