Options, convenience and value are yours.

The right ​Checking ​Account is the key to your daily money management. With E-Central Credit Union’s variety of choices, you’ll find the ideal account for your lifestyle.

E-Free Checking

This simple ​Checking ​Account works for you.

  • No monthly fee
  • No minimum balance requirement
  • Courtesy Pay privileges
  • Includes E-Central Advantage Package

Premium Value Checking

Maximize your money in the account that pays you back.

  • Maintain a $500* minimum balance
  • Earn dividends at a competitive rate
  • Overdraft Protection from your Savings (three free transactions per month)
  • Courtesy Pay privileges
  • Includes E-Central Advantage Package

E-Builder Checking

Re-establish your financial footing after a setback.

  • A new start for those with a ChexSystems history
  • $50 minimum to open
  • $200 pledged to Savings
  • Overdraft Protection from your Savings (three free transactions per month)
  • $10 monthly service fee
  • Account upgrade available after 12 months with good history
  • Other restrictions apply
  • Includes E-Central Advantage Package​
E-Free Premium Value E-Builder*

Description

A Checking Account That’s Free From Monthly Service Fees A checking account that pays and protects you A new start for those who have a ChexSystems history

Monthly Service Charge

Free None $10.00

Minimum Balance

None $500
$5 below mini. bal. fee
Requires $200 Pledge Amount

Dividend Earning

No Yes No

Overdraft Protection

Yes Yes
3 Free Transactions Per Month
Yes
3 Free Transactions Per Month

Courtesy Pay Privileges

Yes Yes Not Available

# of Free ATMs

30,000 Nationwide 30,000 Nationwide 30,000 Nationwide

First Box of Checks

Free Free Free

ATM/Visa Debit Card

Free Free Free

E-Banking

Free Free Free

Mobile Banking

Free Free Free

Enhanced Bill Pay

Free Free Free

Checking Viewing

Free Free Free

E-Statements

Free Free Free

Teller-Phone

Free Free Free

Point-of-Sale Transactions

Free Free Free

Personal Financial Management Tool

Yes Yes Yes

Popmoney

Yes Yes Yes

# of ATM Transactions (Universal)

5 Free  per month+ 5 Free  per month 5 Free  per month

Teller Access

Unlimited Unlimited Unlimited

Check Writing Privileges

Unlimited Unlimited Unlimited

Auto Loan Discount

Yes Yes Yes

When you link your E-Central Savings Account to your Checking Account, you’ll avoid the costly fees associated with having insufficient funds in your account. A personal line of credit​ also can be used as a financial backstop. When your checking balance falls below zero, funds will be transferred automatically to your Checking Account.

E-Central’s Courtesy Pay service covers overdrafts from checks, Visa Debit Card and ATM transactions.

  • We honor up to $300, $500 or $1,000 in overdrafts++
  • For transactions $5.00 or less, there will be no fee (Effective: June 1, 2016)
  • We charge your account when an overdraft occurs and notify you by mail
  • We limit overdraft fees to a maximum of four (4) fees per day. (Effective: June 1, 2016)
  • You must bring your account current within 15 days

To learn more, read: What You Need to Know about Overdrafts and Overdraft Fees (Effective: June 1, 2016)

++Courtesy Pay requires an E-Central Checking Account (E-Builder not eligible). Total coverage amount includes all fees. Courtesy Pay fee is $29 per occurrence. Maximum number of fees per day is four (4). Certain restrictions apply.

Ways to bank