Personal Checking

We’ve designed checking accounts without sneaky fees.

Woman enjoys a hike through an autumn forest

Enjoy these convenient features:

  • No Fees

    No Monthly Fees

    Sign up for our eStatements and enjoy no monthly fees1 on most accounts.

  • Direct Deposits

    Real-Time Deposits

    There are no delays or hold times for direct deposits or most payroll check deposits.

  • Alerts

    E-Alerts

    Receive an email or text notification on the account activities you choose.

  • Points for Perks

    Points for Perks

    Start earning Points for Perks when you use your Educators debit card on non-PIN transactions.

  • 24/7 Access

    24-Hour Access

    Access your account from your computer or mobile device with Online Banking, Mobile Banking, Amazon Alexa, Google Assistant and ASK EVA.

  • Bundle Accounts

    Bundle Accounts

    Automatically bundle your checking account, debit card and a Change Up Savings when you open your account!

  • Plus

    Custom Cards: Coming Soon

    Customize your credit and debit cards with a picture as unique as you are. Display any one of your favorite pictures every time you swipe your card.

  • Debit/Credit Card

    Upgraded Debit Cards

    Give your debit card a new, safer look. These cards include a unique design equipped with an extremely safe, contactless payment option.

I love Educators because they understand that life happens, and they work with you in every situation.

– Mary H.

Compare Your Options

Both accounts offer a debit card with no annual fees, points for perks, no limit on the number of transactions, no transaction fees at over 60,000 ATMs and worldwide use anywhere Visa® is accepted.

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  • Minimum Opening Balance

    Minimum Opening Balance

  • No Activation or Monthly Fees1

    No Activation or Monthly Fees1

  • Real-Time Deposits

    Real-Time Deposits

  • 24-Hour Access

    24-Hour Access

  • Overdraft Privilege3

    Overdraft Privilege3

Standard Checking

  • Minimum Opening Balance

    $20

  • No Activation or Monthly Fees1

  • Real-Time Deposits

  • 24-Hour Access

  • Overdraft Privilege3

Student Checking (age 13 and over2)

  • Minimum Opening Balance

    $0

  • No Activation or Monthly Fees1

  • Real-Time Deposits

  • 24-Hour Access

  • Overdraft Privilege3

You’re Eligible to Join Educators!

Educators Credit Union is open to anyone who works or lives in our 11-county service area: Dane, Green, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington and Waukesha.

Open a new account by applying online, using Educators Video Banking or by calling 262.886.5900.

Open An Account Today

When you open an account, we’ll switch over your direct deposit and recurring payments quickly and conveniently.

Apply by Video Chat
Start a video meeting
Apply at a Branch
Find the nearest branch

Disclosures

1Accounts opened after Jan. 1, 2010, without eStatements are subject to a $2 monthly fee. Fees may reduce earnings.

2Minors age 12 and under are eligible to open a savings account with an adult as a joint owner.

3Any and all fees and charges including without limitation the non-sufficient funds fees, continuous overdraft fees and interest charges (as set forth in our fee schedules and Account Agreement and Disclosures) will be included. Fees may reduce earnings. Account closure after ten consecutive days if the account balance is negative or has excessive overdrafts.

Go to the full Discretionary Overdraft Privilege Policy

Important Information:

Check 21 – Legislation is now in place to allow your check to be replaced in the check process by an electronic check. This is designed to improve efficiency in faster check clearing, decrease fraud and increase security. Checks may clear within one or two days, so make sure funds are on deposit before writing. Should you need a copy of a check, it may be a reproduction of the electronic check, known as a “substitute check.” This form will maintain the legal equivalence of the original check.