Checking Accounts from Pasadena’s Premier Credit Union.

Finding the checking account that’s tailored to your spending habits is critical because no account is used more often. Managing your money every day means you need immediate access to funds without all of the hassle and fees and that can slow you down.

E-Central Credit Union offers three different accounts to fit your California lifestyle. Choose from a simple online checking account without monthly fees or minimum balance requirement to an account that earns interest or another that helps you re-establish yourself after financial setbacks.

All of our checking accounts are backed with 30,000 fee-free ATMs nationwide, overdraft protection, and free online and mobile banking access. Take a look at our checking account comparison to select the one that’s right for you​.

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-Central Credit Union offers checking accounts to Southern California members throughout Los Angeles County including Pasadena, South Pasadena, Alhambra, San Marino, Arcadia, Sierra Madre, Altadena, Temple City, Monrovia and beyond.

To learn more about our checking account options or to open a checking accounts, contact us or visit our Pasadena branch today.

E-Free Premium Value E-Builder*


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
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


Free Free Free

Mobile Banking

Free Free Free

Enhanced Bill Pay

Free Free Free

Checking Viewing

Free Free Free


Free Free Free


Free Free Free

Point-of-Sale Transactions

Free Free Free

Personal Financial Management Tool

Yes Yes Yes


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.

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