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16 <!-- End Google tag (gtag.js) --> <title> 17 Checking Accounts - East County Schools Federal Credit Union 18</title><meta property="og:title" content="Checking Accounts - East County Schools Federal Credit Union" /><meta property="og:description" content="Checking accounts offered by East County Schools Credit Union" /><meta property="og:url" content="https://www.eastcountyschools.org/accounts/checking/checking-accounts" /><meta property="og:type" content="website" /><meta property="og:site_name" content="Default" />
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26 <div class="skip-nav"> <a id="skipNav" href="#mainContent">Skip to main content</a> </div> <header> <div class="row"> <div class="header-right"> <div class="header-right-upper"> <div class="header-buttons"> 27 28<div > 29 <div ><ul><li><a href="https://eastcountyschools.myori.com/app/oao/membership" data-sf-marked="" data-sf-ec-immutable="">Open An Account</a> 30 </li><li><a href="https://eastcountyschools.myori.com/app/ola/ola-consumer-loan-type" data-sf-marked="" data-sf-ec-immutable="">Apply For A Loan</a> 31 </li></ul></div> 32 33</div> 34 35 </div> <div class="header-search"> 36 37 38 39<div class="form-inline"> 40 <input type="search" title="Search input" placeholder="Search" id="ffba51ba-62ac-442f-b723-612c9fd95d0d" class="form-control" value=""/> 41 <button type="button" class="btn btn-primary" id="46bc4d71-ef10-46b1-b41f-5e4c2dce981d"><span class="glass"></span><span class="text">Go!</span></button> 42 43 <input type="hidden" data-sf-role="resultsUrl" value="/search-results" /> 44 <input type="hidden" data-sf-role="indexCatalogue" value="full-site" /> 45 <input type="hidden" data-sf-role="wordsMode" value="AllWords" /> 46 <input type="hidden" data-sf-role="disableSuggestions" value='true' /> 47 <input type="hidden" data-sf-role="minSuggestionLength" value="3" /> 48 <input type="hidden" data-sf-role="suggestionFields" value="Title,Content" /> 49 <input type="hidden" data-sf-role="language" value="en" /> 50 <input type="hidden" data-sf-role="suggestionsRoute" value="/restapi/search/suggestions" /> 51 <input type="hidden" data-sf-role="searchTextBoxId" value='#ffba51ba-62ac-442f-b723-612c9fd95d0d' /> 52 <input type="hidden" data-sf-role="searchButtonId" value='#46bc4d71-ef10-46b1-b41f-5e4c2dce981d' /> 53</div> 54 55 56 57 58 59 60 </div> </div> <div class="header-right-lower"> <div class="logo"> 61 62<div > 63 <div ><a href="/"><img alt="East County Schools Federal Credit Union" data-displaymode="Original" src="/images/default-source/logos/logo.svg?sfvrsn=eb12a1ce_2" title="East County Schools Federal Credit Union Logo"></a></div> 64 65</div> </div> <div class="navigation"> 66 67<div class="topnav"> 68 <nav role="navigation"> 69 <ul> 70 <li class="top-level nav-Save"> 71 <a href="#" data-toggle="dropdown" class="dropdown-toggle">Save 72 <span class="caret"></span> 73 </a> 74 <ul class="dropdown-menu"> 75 <li class="dropdown-submenu"> 76 <a href="/accounts/checking" target="_self">Checking 77 <span class="right-caret"></span> 78 </a> 79 <ul class="dropdown-menu"> 80 <li class="active"> 81 <a href="/accounts/checking/checking-accounts" target="_self">Checking Accounts</a> 82 </li> 83 <li class=""> 84 <a href="/accounts/checking/fresh-start-checking" target="_self">Fresh Start Checking</a> 85 </li> 86 <li class=""> 87 <a href="/accounts/checking/teen-checking" target="_self">Teen Checking</a> 88 </li> 89 90 </ul> 91 </li> 92 <li class="dropdown-submenu"> 93 <a href="/accounts/savings" target="_self">Savings 94 <span class="right-caret"></span> 95 </a> 96 <ul class="dropdown-menu"> 97 <li class=""> 98 <a href="/accounts/savings/primary-share-savings" target="_self">Primary Share Savings</a> 99 </li> 100 <li class=""> 101 <a href="/accounts/savings/summer-savings" target="_self">Summer Savings</a> 102 </li> 103 <li class=""> 104 <a href="/accounts/savings/individual-retirement-accounts" target="_self">Individual Retirement Accounts</a> 105 </li> 106 <li class=""> 107 <a href="/accounts/savings/individual-retirement-account" target="_self">Money Market Shares</a> 108 </li> 109 <li class=""> 110 <a href="/accounts/savings/share-certificates" target="_self">Certificate (CD) Shares</a> 111 </li> 112 <li class=""> 113 <a href="/accounts/savings/coverdell-education-savings" target="_self">Coverdell Education Savings</a> 114 </li> 115 <li class=""> 116 <a href="/accounts/savings/trust-accounts" target="_self">Trust Accounts</a> 117 </li> 118 <li class=""> 119 <a href="/accounts/savings/meet-our-lpl-advisor" target="_self">Financial Planning</a> 120 </li> 121 122 </ul> 123 </li> 124 <li class="dropdown-submenu"> 125 <a href="/accounts/insurance" target="_self">Insurance
126 <span class="right-caret"></span> 127 </a> 128 <ul class="dropdown-menu"> 129 <li class=""> 130 <a href="/accounts/insurance/accidental-death-dismemberment-insurance" target="_self">Accidental Death & Dismemberment Insurance</a> 131 </li> 132 <li class=""> 133 <a href="/accounts/insurance/gap-insurance" target="_self">GAP Insurance</a> 134 </li> 135 <li class=""> 136 <a href="/accounts/insurance/loan-protection" target="_self">Loan Protection</a> 137 </li> 138 <li class=""> 139 <a href="/accounts/insurance/mechanical-breakdown-protection" target="_self">Mechanical Breakdown Protection</a> 140 </li> 141 <li class=""> 142 <a href="/accounts/insurance/overdraft-protection" target="_self">Overdraft Protection</a> 143 </li> 144 145 </ul> 146 </li> 147 148 </ul> 149 </li> 150 <li class="top-level nav-Borrow"> 151 <a href="#" data-toggle="dropdown" class="dropdown-toggle">Borrow 152 <span class="caret"></span> 153 </a> 154 <ul class="dropdown-menu"> 155 <li class="dropdown-submenu"> 156 <a href="/loans/vehicle-loans" target="_self">Vehicle Loans 157 <span class="right-caret"></span> 158 </a> 159 <ul class="dropdown-menu"> 160 <li class=""> 161 <a href="/loans/vehicle-loans/refinance" target="_self">Auto Loans</a> 162 </li> 163 <li class=""> 164 <a href="/loans/vehicle-loans/rv-boat-loans" target="_self">RV/Boat/PowerSport Loans</a> 165 </li> 166 <li class=""> 167 <a href="/loans/vehicle-loans/auto-buying-service" target="_self">Auto Buying Service - New Cars Inc.</a> 168 </li> 169 170 </ul> 171 </li> 172 <li class="dropdown-submenu"> 173 <a href="/loans/home-loans" target="_self">Home Loans 174 <span class="right-caret"></span> 175 </a> 176 <ul class="dropdown-menu"> 177 <li class=""> 178 <a href="/loans/home-loans/mason-mcduffie" target="_self">Home Buying & Refinance</a> 179 </li> 180 <li class=""> 181 <a href="/loans/home-loans/home-equity-loans-lines" target="_self">Home Equity Lines & Loans</a> 182 </li> 183 <li class=""> 184 <a href="/loans/home-loans/solar" target="_self">Solar Loans</a> 185 </li> 186 187 </ul> 188 </li> 189 <li class="dropdown-submenu"> 190 <a href="/loans/student-loans" target="_self">Student Loans 191 <span class="right-caret"></span> 192 </a> 193 <ul class="dropdown-menu"> 194 <li class=""> 195 <a href="/loans/student-loans/in-school-loans" target="_self">Student Loan Refinance/Consolidation</a> 196 </li> 197 198 </ul> 199 </li> 200 <li class="dropdown-submenu"> 201 <a href="/loans/other-loans" target="_self">Other Loans 202 <span class="right-caret"></span> 203 </a> 204 <ul class="dropdown-menu"> 205 <li class=""> 206 <a href="/loans/other-loans/csesap-loans" target="_self">CSESAP Loans</a> 207 </li> 208 <li class=""> 209 <a href="/loans/other-loans/furlough-loans" target="_self">Furlough Loans</a> 210 </li> 211 <li class=""> 212 <a href="/loans/other-loans/mypay15" target="_self">MyPay15</a> 213 </li> 214 <li class=""> 215 <a href="/loans/other-loans/mypaynewhire" target="_self">MyPayNewHire</a> 216 </li> 217 <li class=""> 218 <a href="/loans/other-loans/open-end-loans" target="_self">Open End Loans</a> 219 </li> 220 <li class=""> 221 <a href="/loans/other-loans/share-secured-loan" target="_self">Share Secured Loan</a> 222 </li> 223 <li class=""> 224 <a href="/loans/other-loans/personal-loans" target="_self">Signature Loans</a> 225 </li> 226 <li class=""> 227 <a href="/loans/other-loans/teacher-classroom-loan" target="_self">Teacher Classroom Loan</a> 228 </li> 229 230 </ul> 231 </li> 232 <li class="dropdown-submenu"> 233 <a href="/loans/visa-credit-cards" target="_self">VISA Credit Cards
234 <span class="right-caret"></span> 235 </a> 236 <ul class="dropdown-menu"> 237 <li class=""> 238 <a href="/loans/visa-credit-cards/compare-credit-cards" target="_self">VISA Credit Cards</a> 239 </li> 240 <li class=""> 241 <a href="/loans/visa-credit-cards/prepaid-visa-cards" target="_self">VISA PrePaid Cards</a> 242 </li> 243 244 </ul> 245 </li> 246 247 </ul> 248 </li> 249 <li class="top-level nav-Services"> 250 <a href="#" data-toggle="dropdown" class="dropdown-toggle">Services 251 <span class="caret"></span> 252 </a> 253 <ul class="dropdown-menu"> 254 <li class="dropdown-submenu"> 255 <a href="/member-perks/services" target="_self">Services 256 <span class="right-caret"></span> 257 </a> 258 <ul class="dropdown-menu"> 259 <li class=""> 260 <a href="/member-perks/services/cashier's-checks" target="_self">Cashier's Checks</a> 261 </li> 262 <li class=""> 263 <a href="/member-perks/services/coin-counting" target="_self">Coin Counting</a> 264 </li> 265 <li class=""> 266 <a href="/member-perks/services/credit-union-to-you" target="_self">CU2U</a> 267 </li> 268 <li class=""> 269 <a href="/member-perks/services/direct-deposit" target="_self">Direct Deposit</a> 270 </li> 271 <li class=""> 272 <a href="/member-perks/services/credit-review" target="_self">Free Credit Review</a> 273 </li> 274 <li class=""> 275 <a href="/member-perks/services/notary" target="_self">Notary</a> 276 </li> 277 <li class=""> 278 <a href="/member-perks/services/skip-a-payment" target="_self">Skip a Loan Payment</a> 279 </li> 280 <li class=""> 281 <a href="/member-perks/services/wire-transfers-(incoming-outgoing)" target="_self">Wire Transfers (Incoming & Outgoing)</a> 282 </li> 283 <li class=""> 284 <a href="/member-perks/services/discount-tickets" target="_self">Discount Tickets</a> 285 </li> 286 287 </ul> 288 </li> 289 <li class="dropdown-submenu"> 290 <a href="/member-perks/online-services" target="_self">Online Services 291 <span class="right-caret"></span> 292 </a> 293 <ul class="dropdown-menu"> 294 <li class=""> 295 <a href="/member-perks/online-services/mobile-app" target="_self">Mobile App</a> 296 </li> 297 <li class=""> 298 <a href="/member-perks/online-services/online-banking" target="_self">Online Banking</a> 299 </li> 300 <li class=""> 301 <a href="/member-perks/online-services/calculators" target="_self">Calculators</a> 302 </li> 303 304 </ul> 305 </li> 306 <li class="dropdown-submenu"> 307 <a href="/member-perks/other-perks" target="_self">Additional Benefits 308 <span class="right-caret"></span> 309 </a> 310 <ul class="dropdown-menu"> 311 <li class=""> 312 <a href="/member-perks/other-perks/scholarships" target="_self">Scholarships</a> 313 </li> 314 <li class=""> 315 <a href="/member-perks/other-perks/shred-day" target="_self">Shred Day</a> 316 </li> 317 <li class=""> 318 <a href="/member-perks/other-perks/turbo-tax-discount" target="_self">Turbo Tax Discount</a> 319 </li> 320 <li class=""> 321 <a href="/member-perks/other-perks/trustandwill" target="_self">Trust & Will Discount</a> 322 </li> 323 <li class=""> 324 <a href="/member-perks/other-perks/educator-tours-2027" target="_self">Educator Tours 2027</a> 325 </li> 326 327 </ul> 328 </li> 329 330 </ul> 331 </li> 332 <li class="top-level nav-Learn"> 333 <a href="#" data-toggle="dropdown" class="dropdown-toggle">Learn
334 <span class="caret"></span> 335 </a> 336 <ul class="dropdown-menu"> 337 <li class="dropdown-submenu"> 338 <a href="/learn/education" target="_self">Education 339 <span class="right-caret"></span> 340 </a> 341 <ul class="dropdown-menu"> 342 <li class=""> 343 <a href="/learn/education/credit-union-vs-banks" target="_self">Credit Union Vs. Banks</a> 344 </li> 345 <li class=""> 346 <a href="/learn/education/events" target="_self">Seminars, Webinars & More</a> 347 </li> 348 <li class=""> 349 <a href="/learn/education/blog" target="_self">Blog</a> 350 </li> 351 <li class=""> 352 <a href="/learn/education/videos" target="_self">Videos</a> 353 </li> 354 <li class=""> 355 <a href="/learn/education/zogo" target="_self">Zogo Financial Literacy</a> 356 </li> 357 <li class=""> 358 <a href="/learn/education/free-credit-report" target="_self">Free Credit Report</a> 359 </li> 360 361 </ul> 362 </li> 363 <li class="dropdown-submenu"> 364 <a href="/learn/about" target="_self">About 365 <span class="right-caret"></span> 366 </a> 367 <ul class="dropdown-menu"> 368 <li class=""> 369 <a href="/learn/about/about-us" target="_self">About Us</a> 370 </li> 371 <li class=""> 372 <a href="/learn/about/atm-shared-branch-locator" target="_self">ATM/Shared Branch Locator</a> 373 </li> 374 <li class=""> 375 <a href="/learn/about/newsletter" target="_self">Newsletter</a> 376 </li> 377 <li class=""> 378 <a href="/learn/about/who-can-join" target="_self">Who Can Join?</a> 379 </li> 380 <li class=""> 381 <a href="/learn/about/annual-meeting-and-board-of-directors-vote" target="_self">Board of Directors Election Process</a> 382 </li> 383 384 </ul> 385 </li> 386 <li class="dropdown-submenu"> 387 <a href="/learn/disclosures" target="_self">Forms, Disclosures & Brochures 388 <span class="right-caret"></span> 389 </a> 390 <ul class="dropdown-menu"> 391 <li class=""> 392 <a href="/learn/disclosures/forms" target="_self">Forms, Disclosures & Brochures</a> 393 </li> 394 <li class=""> 395 <a href="/learn/disclosures/fee-schedule" target="_self">Fee Schedule</a> 396 </li> 397 <li class=""> 398 <a href="/learn/disclosures/privacy-policy" target="_self">Privacy Policy</a> 399 </li> 400 <li class=""> 401 <a href="/learn/disclosures/usa-patriot-act" target="_self">USA Patriot Act</a> 402 </li> 403 <li class=""> 404 <a href="/learn/disclosures/holiday-schedule" target="_self">Holiday Schedule</a> 405 </li> 406 407 </ul> 408 </li> 409 410 </ul> 411 </li> 412 </ul> 413 </nav> 414</div> 415 416 417 418 419 420 421 </div> <div class="cta"> 422 423<div > 424 <div ><a href="https://ecsfcu-cloud.lending360.com/AccountOpening/Application?continueApp=False&membershipId=144&key=dAvECFMasug%3D#/thingsyouneed">Open An Account</a> | <a href="https://internetloanapplication.cudl.com/eastcounty/">Apply For A Loan</a><br></div> 425 426</div> </div> </div> </div> <div class="obl"> <h1>Online Banking</h1> 427 428<iframe src="/includes/online-banking/index2021.html" scrolling="no" frameborder="0"></iframe> 429 430<div > 431 <div ><a href="https://ecsfcu-cloud.lending360.com/AccountOpening/Application?continueApp=False&membershipId=144&key=dAvECFMasug%3D#/thingsyouneed">Open An Account</a> |
431 <a href="https://internetloanapplication.cudl.com/eastcounty/">Apply For A Loan</a><br></div> 432 433</div> </div> </div> <div class="header-buttons-lower"> 434 435<div > 436 <div ><ul><li><a href="https://eastcountyschools.myori.com/app/oao/membership" data-sf-marked="" data-sf-ec-immutable="">Open An Account</a> 437 </li><li><a href="https://eastcountyschools.myori.com/app/ola/ola-consumer-loan-type" data-sf-marked="" data-sf-ec-immutable="">Apply For A Loan</a> 438 </li></ul></div> 439 440</div></div> </header> <section class="inside-banner"> 441 442 443 <img loading="lazy" src="/images/default-source/header-images/checking.jpg?sfvrsn=5f76b2df_4" title="Compare Checking Accounts" 444 445 /> 446 </section> <section class="inside-content" id="mainContent"> <div class="row"> <div class="page-title"> 447 448<div > 449 <div ><h1>Checking Accounts</h1></div> 450 451</div> </div> <div class="quicklinks"> 452 453<div > 454 <div ><ul><li><a href="https://eastcountyschools.myori.com/app/oao/membership" target="_blank" data-sf-marked="" data-sf-ec-immutable="">Open an Account</a></li><li><a href="/accounts/insurance/overdraft-protection">Overdraft Protection</a></li><li><a href="/learn/disclosures/forms">Disclosures</a></li></ul></div> 455 456</div> </div> <div class="content"> 457 458<div > 459 <div ><h2>Choose the Checking Account that Fits Your Lifestyle!</h2></div> 460 461</div><div id="Content_C015_Col00" class="sf_colsIn tabs ui-tabs ui-widget ui-widget-content ui-corner-all" data-sf-element="Container" data-placeholder-label="Tabs"> 462 <div class="sf_colsOut sf_1col_1_100"> 463 <div id="Content_C016_Col00" class="sf_colsIn tabs-header tc-4" data-sf-element="Column 1" data-placeholder-label="Tabs Header"> 464<div > 465 <div ><ul><li><a data-sf-marked="" data-sf-ec-immutable="" href="#">eChecking</a></li><li><a data-sf-marked="" data-sf-ec-immutable="" href="#">Regular Checking</a></li><li><a data-sf-marked="" data-sf-ec-immutable="" href="#">Teen Checking</a></li><li><a data-sf-marked="" data-sf-ec-immutable="" href="#">Fresh Start Checking</a></li></ul></div> 466 467</div> 468 469 </div> 470 </div> 471 472 <div class="sf_colsOut sf_1col_1_100"> 473 <div id="Content_C017_Col00" class="sf_colsIn tab-panel" data-sf-element="Column 1" data-placeholder-label="Panel 1"> 474<div > 475 <div ><h2>eChecking</h2><p>Earn <strong></strong><strong>4.00% APY* on balance from $0 - $2500</strong><strong></strong><strong><br>2.50% APY on balances from $2,500.01 - $5,000</strong><strong><br>0.25% APY on balances from $5,000.01 â 10,000</strong><strong><br>0.10% APY on balances over $10,000.00</strong><br></p><ul><li>No minimum balance</li><li>No monthly fees</li><li>Minimum Deposit to Open: $25.00</li><li>Online Bill Pay transactions are free and unlimited</li><li>ATM and branch transactions are unlimited</li></ul><p>It's easy to earn eChecking Dividends. Here's how you can get this great rate!</p><ol><li>Receive eStatements, opting out of paper statements</li><li>Make eight (8) or more debit card transactions each month</li><li>Direct Deposit a minimum of $500 monthly to your eChecking<br></li></ol><br><p class="disclaimer">*APY = Annual Percentage Yield. Dividends are calculated 476 daily and compounded and paid monthly. Rates subject to change. On any month you do not meet the requirements, you will not be paid a dividend but there is no fee incurred for not meeting 477 the requirements. Fees could reduce the earnings on the account. Rates are accurate as of May 1, 2025. Existing Regular Checking accounts may be converted to an eChecking at any time.</p><p class="disclaimer"> </p><p>Please see our <a href="/docs/default-source/disclosures/account-disclosures-and-agreement-2025-10-20.pdf?sfvrsn=2557270_1">Account Disclosures which include the Truth in Savings Disclosures</a> for all account disclosure information.</p></div> 478 479</div> 480<div class="more-content" > 481 <div >More stuff about things<br /></div> 482 483</div> 484 485 </div> 486 </div> 487 488 <div class="sf_colsOut sf_1col_1_100"> 489 <div id="Content_C018_Col00" class="sf_colsIn tab-panel" data-sf-element="Column 1" data-placeholder-label="Panel 2"> 490<div > 491 <div ><h2 id="regular">Regular Checking</h2><ul><li>No minimum balance</li><li>Minimum Deposit to Open: $25.00</li><li>One box of checks free annually with a minimum Direct Deposit of $500</li><li>Skip the $3 monthly fee â just make 4+ debit transactions per month, keep $500+ in consolidated savings, or have a $500+ loan balance (excludes overdraft protection and VISA Credit Card balances).</li></ul><p>Checking transactions may be a combination of deposits, check clearings, transfers, Debit card transactions (signature or POS), ACH debit or bill payments. Internal transfers within your account or linked account does not count towards the minimum required.</p><p>See <a href="/learn/disclosures/fee-schedule">Fee Schedule</a> for all other checking account fees. Fees could reduce the earnings on the account.</p><p><br></p><p>Please see our <a href="/docs/default-source/disclosures/account-disclosures-and-agreement-2025-10-20.pdf?sfvrsn=2557270_1">Account Disclosures which include the Truth in Savings Disclosures</a> for all account disclosure information.</p></div> 492 493</div> 494<div class="more-content" > 495 <div >More stuff about things<br /></div> 496 497</div> 498 499 </div> 500 </div> 501 502 <div class="sf_colsOut sf_1col_1_100"> 503 <div id="Content_C019_Col00" class="sf_colsIn tab-panel" data-sf-element="Column 1" data-placeholder-label="Panel 3"> 504<div > 505 <div ><h2 id="teen">Teen Checking - for ages 13 - 17<br></h2><p>Built to help young people learn, earn, and save in a safe, supportive environment.<br></p><ul style="margin-left: 30px"><li>No minimum balance</li><li>No monthly fees</li><li>Minimum Deposit to Open: $20.00</li><li>FREE ATM/Debit card</li><li>FREE Mobile App and Online Banking</li><li>FREE eStatements </li><li>FREE checks (25 pack per year)</li><li>$10 Good Grades Reward up to twice a year*</li></ul><p>Teen Checking Accounts require a parent or legal guardian to be joint on the account. At least one account signer has to be a qualifying ECS member. Teen Accounts are limited in usage to $300/day total in Debit Card/ATM/Point of Sale (POS) and to 8 transactions/day. Teen Checking converts to Regular or eChecking during the month of the member's 18th birthday.</p><p> </p><p><strong>Want to help your teen learn more about finances?</strong> Download <strong>Zogo</strong>, our FREE financial literacy app with bite-sized lessons, and earn points that are traded in for gift cards to your favorite retailers! <a href="/learn/education/zogo">Check out our Zogo page</a> for more information.</p><p class="disclaimer"><em>*To earn the Good Grades Reward, your report card with a minimum 3.00 grade point average must be submitted to the credit union no later than 45 days after the date of the report. Student must have a minimum of eight (8) checking account transactions during the semester, have no NSF checks or overdrawn account activity, and must be enrolled in eStatements to receive the $10 savings deposit.</em></p><p><em></em><em></em></p><p>Please see our <a href="/docs/default-source/disclosures/account-disclosures-and-agreement-2025-10-20.pdf?sfvrsn=2557270_1">Account Disclosures which include the Truth in Savings Disclosures</a> for all account disclosure information.</p></div> 506 507</div> 508<div class="more-content" > 509 <div >More stuff about things<br /></div> 510 511</div> 512 513 </div> 514 </div> 515 516 <div class="sf_colsOut sf_1col_1_100"> 517 <div id="Content_C020_Col00" class="sf_colsIn tab-panel" data-sf-element="Column 1" data-placeholder-label="Panel 4"> 518<div > 519 <div ><h2 id="fresh">Fresh Start Checking</h2><ul><li>No minimum balance</li><li>No monthly fees</li><li>Minimum Deposit to Open: $20.00</li><li>Dividend Rates: This account is a non-interest bearing account</li><li>Electronic Service Limitations: </li><li> $300 per day maximum for Debit Card POS or ATM Transactions 520 </li><li> $300 per day maximum for Signature Debit Transactions</li><li>Mobile Check Deposit: Not available for this account type</li><li>Direct deposit of your payroll check is required </li><li>Excessive overdrafts or mishandling of the account, at the credit unionâs sole discretion, is cause for immediate account termination.</li></ul><p>Please see our <a href="/docs/default-source/disclosures/account-disclosures-and-agreement-2025-10-20.pdf?sfvrsn=2557270_1">Account Disclosures which include the Truth in Savings Disclosures</a> for all account disclosure information.</p></div> 521 522</div> 523 524 </div> 525 </div> 526 527</div> 528 529<div > 530 <div ><h2>Compare Checking Accounts</h2></div> 531 532</div> 533<div class="quicklinks" > 534 <div ><ul><li><a href="https://eastcountyschools.myori.com/app/oao/membership" target="_blank" data-sf-ec-immutable="" data-sf-marked="">
534Open an Account</a></li></ul></div> 535 536</div> 537<div > 538 <div ><table class="comparison k-table"><thead><tr><th scope="col" data-role="resizable">Feature</th><th scope="col">eChecking</th><th scope="col" data-role="resizable">Regular Checking</th><th data-role="resizable" scope="col">Fresh Start Checking</th><th scope="col">Teen Checking</th></tr></thead><tbody><tr><th scope="row" data-role="resizable">Description</th><td>For those who want to earn <strong>dividends</strong></td><td>For those who would like <strong>paper statements</strong> </td><td>For those <strong>who may not qualify</strong> for other checking accounts </td><td>Available for <strong>Teens of our Members </strong>age 13-17<br></td></tr><tr><th scope="row" data-role="resizable">Dividend Rate</th><td>Earn up to 4.00% APY on balances up to $2,500* (see additional tiers above)</td><td>.01% APY</td><td>No dividends</td><td>No dividends</td></tr><tr><th scope="row" data-role="resizable">Direct Deposit</th><td>Required for dividend earning</td><td>Optional</td><td>Required</td><td>Optional</td></tr><tr><th scope="row" data-role="resizable">eStatements</th><td>Required</td><td>Optional</td><td>Required</td><td>Optional</td></tr><tr><th scope="row" data-role="resizable">Opening Deposit</th><td>$25.00 Minimum</td><td>$25.00 Minimum</td><td>$20.00 Minimum</td><td>$20.00 Minimum</td></tr><tr><th scope="row" data-role="resizable">Monthly Fee</th><td>None</td><td>$3/mo â waived with 4+ monthly debit transactions, $500+ savings balance, or $500+ loan balance (excludes overdraft protection and VISA credit card balances.)</td><td>None</td><td>None</td></tr><tr><th scope="row">FREE Checks</th><td>Starter checks for new accounts</td><td>One box free annually with $500 monthly direct deposit</td><td>No</td><td>One 25 pack/year</td></tr><tr><th scope="row" data-role="resizable">FREE Mobile App with card controls, mobile deposit, credit card access, set alerts and more<br></th><td><img src="/images/default-source/icons/check.svg?sfvrsn=96c27f44_4" title="check" data-displaymode="Original" alt="check"></td><td><img title="check" src="/images/default-source/icons/check.svg?sfvrsn=96c27f44_4" alt="check" data-displaymode="Original"></td><td>Yes, no mobile check deposit</td><td><img title="check" src="/images/default-source/icons/check.svg?sfvrsn=96c27f44_4" alt="check" data-displaymode="Original"></td></tr><tr><th scope="row" data-role="resizable">Signature Lines of Credit Options</th><td><img title="check" src="/images/default-source/icons/check.svg?sfvrsn=96c27f44_4" alt="check" data-displaymode="Original"></td><td><img title="check" src="/images/default-source/icons/check.svg?sfvrsn=96c27f44_4" alt="check" data-displaymode="Original"></td><td>No</td><td>No</td></tr><tr><th scope="row" data-role="resizable">Other</th><td>New ECSFCU members must open a Primary Share Account with a $5.00 minimum opening deposit, in order to open a Checking Account.<br></td><td>New ECSFCU members must open a Primary Share Account with a $5.00 minimum opening deposit, in order to open a Checking Account.<br></td><td>$300/day Debit Card/ATM/POS and 8 transactions/day limits<br></td><td>$300/day Debit Card/ATM/POS and 8 transactions/day limits<br></td></tr></tbody></table></div> 539 540</div> 541<div > 542 <div ><p><a href="/learn/disclosures/fee-schedule">Fees could reduce the earnings on the account.</a> Please see our <a href="/learn/disclosures/forms">Account Disclosures which include the Truth in Savings Disclosures</a> for all account disclosure information. On any month you do not meet the 543 requirements, you will not be paid a dividend but there is no fee 544 incurred for not meeting the requirements. Existing Regular Checking 545 accounts may be converted to an eChecking at 546 any time. Rates are accurate as of May 1, 2025.</p><p> </p></div> 547 548</div> 549 550 551 552 553 554 </div> </div> </section> <section class="rates"> <div class="headline"> 555 556<div > 557 <div ><h1>Checking Rates</h1></div> 558 559</div> </div> <div class="row"> <div class="rates-wrap"> 560<div class="ts-rate" data-id="6119" data-teaser="eChecking"></div><div class="ts-rate" data-id="6118" data-teaser="Regular Checking"></div><div class="ts-rate" data-id="6117" data-teaser=""></div> </div> <div class="rate-links"> 561 562<div > 563 <div ><a href="/accounts/savings/savings-rates">View All Savings Rates</a> | <a href="/loans/loan-rates">View All Loan Rates</a></div> 564 565</div> </div> </div> </section> <section class="blog"> <div class="row"> <div> 566 567<div > 568 <div ><a href="/learn/education/zogo" style="width: 100%" target="_blank"><img src="/images/default-source/header-images/zogo-banner-and-access-code.png?sfvrsn=bbfc7857_1" style="width: 100%" sf-size="100" alt="Advertisement for financial literacy app Zogo and the QR code and access code to begin using this app"></a></div> 569 570</div><div id="Blog_C044_Col00" class="sf_colsIn container" data-sf-element="Container"> 571</div> 572 </div> </div> </section> <section class="testimonials"> <div class="headline"> 573 574<div > 575 <div ><h1 style="text-align: center">Members <img src="/images/default-source/icons/heart.svg?sfvrsn=27da5422_0" title="heart icon" style="display: block; margin-left: auto; margin-right: auto" data-displaymode="Original" alt="Love">ECSFCU!</h1></div> 576 577</div> </div> <div class="row"> 578 579<div> 580 <ul> 581 <li class="individual-testimonial"> 582 <div> 583 <div class="img"> 584 <img alt="Grant Nelson 2019" src="https://www.eastcountyschools.org/images/default-source/testimonial-photos/grant-nelson-2019.jpg?sfvrsn=47b79503_4" title="Grant Nelson 2019"> 585 </div> 586 <div> 587 <blockquote> 588 <p><strong>When I became an ECSFCU member, </strong><em><strong></strong></em><strong>I immediately refinanced my house and got better rates for two cars. East County School employees who are just starting out, this is the best place to be! ECSFCU can help you secure your financial life. <br> 589</strong></p> 590 </blockquote> 591 <cite> 592 Grant Nelson - Retired La Mesa Spring Valley Schools 8th Grade History Teacher 593 </cite> 594 </div> 595 </div> 596 </li> 597 </ul> 598 599 600</div> </div> </section> <section class="ad"> 601<div class="ts-ads"></div> </section> <footer> <div class="row"> <div class="footer-links"> 602 603<div > 604 <div ><a href="/learn/about/about-us">About Us</a> 605<a href="/learn/about/contact-us">Contact Us</a> 606<a href="/learn/about/newsletter">Newsletter</a> <a href="/learn/education/events"> Events</a> <a href="/learn/about/who-can-join">Membership</a></div> 607 608</div> </div> <div class="col3"> <div class="footer-contact"> 609 610<div > 611 <div ><p><strong>El Cajon branchâ Main Office</strong><br>1069 Graves Ave, Ste 100<br>El Cajon, CA 92021-4573<br>Monday, Tuesday, Thursday, Friday 9 a.m.â5 p.m.<br>Wednesday 10 a.m.â5 p.m.<br>Call or Text: (619) 588-1515 | Fax: (619) 588-2197</p><p><strong>Routing Number: 322276509</strong></p></div> 612 613</div> </div> <div class="social"> 614 615<div > 616 <div >
616<a href="https://www.facebook.com/eastcountyschoolsfcu/"><img src="/images/default-source/logos/facebook.svg?sfvrsn=c7cae749_2" title="facebook" data-displaymode="Original" alt="East County Schools Federal Credit Union Facebook"></a> 617<a href="https://www.instagram.com/eastcountyschoolsfcu/"><img src="/images/default-source/logos/instagram.svg?sfvrsn=fed5554_2" title="instagram" data-displaymode="Original" alt="East County Schools Federal Credit Union Instagram"></a> 618<a href="https://www.linkedin.com/company/eastcountyschoolsfcu" data-sf-ec-immutable="" target="_blank"><img src="/images/default-source/logos/linkedin.svg?sfvrsn=3c7f3152_1" alt="Linkedin"></a> 619<a href="https://www.youtube.com/@eastcountyschoolsfcu"><img src="/images/default-source/logos/youtube.svg?sfvrsn=5ba3c5dc_2" title="youtube" data-displaymode="Original" alt="East County Schools Federal Credit Union You Tube"></a></div> 620 621</div> </div> <div class="disclosures"> 622 623<div > 624 <div ><img alt="Equal Housing Lender" data-displaymode="Original" src="/images/default-source/logos/ehl.svg?sfvrsn=a064344c_2" title="Equal Housing Lender Logo"><img alt="Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration a U.S. Government Agency" data-displaymode="Original" src="/images/default-source/logos/ncua.svg?sfvrsn=e7614023_2" title="NCUA Logo"><a href="https://www.lk-cs.com"><img alt="Website Designed By LKCS" data-displaymode="Original" src="/images/default-source/logos/lkcs.svg?sfvrsn=7883ba8b_2" title="LKCS Logo"></a></div> 625 626</div> </div> </div> <div class="copyright"> 627 628<div > 629 <div ><p><a href="/learn/disclosures/privacy-policy">Privacy Policy</a> | <a href="/learn/about/website-accessibility">Website Accessibility</a> | <a href="/learn/about/website-map">Site Map</a> </p><p>© 2026 East County Schools Federal Credit Union<br>*APY = Annual Percentage Yield; APR = Annual Percentage Rate. Loan rates and terms will vary based on the credit worthiness of the individual applicants. All rates, terms and conditions subject to change.</p></div> 630 631</div> </div> </div> </footer> <section class="extras"> <div class="x-accounts nav-extras"> 632 633<div > 634 <div ><a href="/learn/about/who-can-join#refer"><img src="/images/default-source/default-album/istock-144965031-big-family.jpg?sfvrsn=a284248c_1" data-displaymode="Original" alt="Refer Your Family" title="Refer Your Family"><br> 635</a><a href="/learn/about/who-can-join">Refer your Family Members to ECS! </a><br> 636Spouses, children, siblings, parents, and grandkids are all eligible to join with you.</div> 637 638</div> </div><!-- #x-accounts --> <div class="x-loans nav-extras"> 639 640<div > 641 <div ><img src="/images/default-source/default-album/auto-ad.jpg?sfvrsn=c9c0a898_0" title="auto-ad" data-displaymode="Original" alt=""><p><a href="/loans/vehicle-loans/auto-rates">Rates as low as 4.15%<sup>APR</sup> for new or 4.35%<sup>APR</sup> pre-owned ECSFCU auto loan! </a><br><span style="font-size: 8px">APR=Annual Percentage Rate. Includes auto payment and NCI discounts. Effective 10/01/2024<br></span></p></div> 642 643</div> </div><!-- #x-loans --> <div class="x-services nav-extras"> 644 645<div > 646 <div ><img data-displaymode="Original" src="/images/default-source/default-album/nav-ad.jpg?sfvrsn=41449679_0"> 647<p><a href="/member-perks/online-services/mobile-app">Download Our Mobile App!</a></p></div> 648 649</div> </div><!-- #x-services --> <div class="x-learn nav-extras"> 650 651<div > 652 <div ><img data-displaymode="Original" src="/images/default-source/logos/co-op.jpg?sfvrsn=ae6ed15a_0" alt="CO-OP ATM, CO-OP SHARED BRANCH" title="co-op"> 653<p><a href="https://co-opcreditunions.org/locator/ ">Find a Shared Branch or ATM</a></p></div> 654 655</div> </div><!-- #x-learn --> </section><!-- .extras -->
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