ECU Credit Union

Preferred and elite checking

Checking Accounts

More Benefits. More Features.

We know everyone is different and that is why we are giving you options to select the best fit for you. We now offer the next generation Checking Account with benefits that protect you and goes beyond just banking. Preferred and Elite checking accounts offer cutting-edge features and exclusive benefits, you can feel confident and secure in managing your finances.

When you open a Preferred or Elite checking account with us, you’ll receive all these important benefits and services:

Image

Loan Cash Back

$50 cash back on consumer loans, excluding HE loans and No Credit Check loans. +

Image

Telehealth Plan

Access zero-cost telehealth services, prescription discounts and more. +

Image

Mobile Phone Protection

Receive up to $500 of replacement or repair cost if your cell phone is stolen or damaged. +

Image

Identity Monitoring

Help better protect yourself and your joint accountholder(s) with identity theft monitoring and resolution service. +

Image

Savings and Entertainment

Discounts on everyday shopping, dining, and entertainment. +

Image

Roadside Assistance Service

Helps you get towing, flat tire help, dead battery replacement, locksmith services and more. +

Image

Identity Theft Recovery

Access a suite of services to better protect your identity and get identity theft assistance. +

Image

Dark Web Monitoring

Receive monitoring for your personal information on the dark web. +

+ Loan Cash Back

Loan discount on new loans only - excluding HE loans and No Credit Check loans. On approved credit.

+ Savings and Entertainment

Save at thousands of restaurants, activities, and attractions, as well as local merchants in your hometown. Simply redeem and print coupons online or access discounts from your smartphone.

Benefit requires no-cost registration/activation.

Zelle®
Send and receive money with Zelle®

Credit Score. And More.
Staying on top of your Credit Score has never been easier. Access to your full credit report, credit monitoring,  financial tips, and education. All without impacting your credit score and for FREE!

Online Banking
Keep up to date with your finances Anywhere / Anytime!

Mobile App and Mobile Deposit Capture
Deposit a check from the comfort of your home!

eStatements
View up to 18 monthly statements for your ECU Credit Union accounts.

CHECKING ACCOUNT COMPARISON

ECU Credit Union offers more than just a basic checking account. We offer checking accounts with More Benefits. More Features. that will save you time and money all at one low monthly cost. Look at our side-by-side comparison below to see all you can get by choosing Preferred or Elite Checking.

  Preferred Checking Elite Checking Classic Checking High School Checking
Cost $6.00 monthly $6.00 monthly $5.00 monthly $0.00 monthly
Monthly Fee Waived ADB** over $5,000 Minimum balance of $5,000 or more  Min Balance $100
or Monthly Min
$100 in Direct Deposit
Young Adults 13-17 years old 
Dividends ADB** over $5,000 ADB** over $5,000 NA ADB** over $5,000
Dividend Rate
 0.15% 0.501% NA 0.15%
Online Banking /
Mobile App
 ✓  ✓  ✓  ✓
Checkfree Bill Pay
   
Checks (Deluxe)  Price Varies  Free (1 box per year)  Price Varies  Free (1 box per year)
Loan Cash Back
 ✓  ✓    
Telehealth Plan
 ✓  ✓    
Mobile Phone Protection  ✓  ✓    
Roadside Assistance Service  ✓  ✓    
Identity Theft Monitoring  ✓  ✓    
Identity Monitoring & Alerts  ✓  ✓    
Dark Web Monitoring & Alerts  ✓  ✓    
Shopping, Dining & Entertainment Discounts  ✓  ✓    
Copies of Cleared Checks
 No Charge  No Charge    
Credit Union Checks to Third Party
(money order)
 No Charge  No Charge    
Cashier Checks No Charge  No Charge    
Copies of Statement  No Charge  No Charge    
Wires 50% off Wire Fee  No Charge    
Credit Score / Credit Monitoring
thru Credit Savvy (free)
   ✓    

*Preferred and Elite checking account benefits require a no-cost registration/activation. Your benefit activation code can be found on your Welcome letter or by calling ECU Credit Union at 727-471-1330.
Dividend Rates: These are variable rate accounts and subject to change based upon market conditions.
**Average Daily Balance (ADB)

Preferred Checking

NO MINIMUM BALANCE REQUIREMENT              Monthly Service fee $6.00  

  • Monthly Service fee is waived with a minimum average daily balance of $5,000. See Fee Schedule
  • Earns dividends on balances over $5,000 See Rates
  • Dividends on Average Daily Balances over $5,000
  • Free Copies of Cleared Checks
  • Free Credit Union Checks to Third Party
  • Free Cashier Checks
  • Free Copies of Statements
  • 50% Discount on Wires
  • $50 cash back on consumer loans, excluding HE loans & NCC
  • Identity Theft Recovery
    • Identity Theft Insurance Reimbursement up to $10,000 for expenses incurred in recovery
  • Identity Monitoring
  • Dark Web Monitoring
  • Mobile Phone Protection $500/$50/2 - up to 4 lines
    • cellular phone bill must be paid through your Preferred or Elite checking account
  • Shopping, Dining, and Entertainment Discount
  • Telehealth Plan
  • Roadside Assistance Service

Need Some Checks?

It's easy and secure to order your checks online. Click the Order & Status button to view all of our different check designs and get started! You can contact us, visit one of our convenient branches or place your check order.

Order status personal checks. deluxe