Personal Checking

We designed checking with you in mind. Enjoy no monthly service fees1 and many member perks.

Open an account


Real-Time Deposits

No deposit delays or hold times for direct deposit or most payroll check deposits.

24-Hour Access

Log into your account from your computer or mobile device; make deposits with FlashCash; use Bill Pay1 and more.


Get an e-mail or text to notify you of account activities you choose.

No Minimum Balance

Most accounts have no minimum balance requirements and no limit on the number of checks you write.

Early Payday

Get your paycheck up to one day early with direct deposit.2

No Monthly Fees

Sign-up for our E-statements and enjoy no monthly fees3 on most accounts.

Compare Accounts

Fresh Start
student Checking
(age 13 and over)1
Minimum opening balance $0 $100 $0
Activation or montHly fees $02 One time activation fee: $20

Monthly account fees: $102

Real-Time Deposits YES YES YES
24-hour Access YES YES YES
Debit Card Earn Points for Perks reward points

No annual fee

No limit to the number of transactions

No transaction fees at any Educators ATM or partner ATMs

Use worldwide anywhere Visa® is accepted

Same as Standard Checking with the following addenda:3

  • $300 daily limit
  • Restricted ATM deposits
Earn Points for Perks reward points

No annual fee

No limit to the number of transactions

No transaction fees at any Educators ATM or partner ATMs

Use worldwide anywhere Visa® is accepted

Open an account

1Minors age 12 and under are eligible to open a savings account with an adult as a joint owner.
Accounts opened after 1/1/2010 without E-statements are subject to a $2 monthly fee.
3Account closure after 10 consecutive days if account balance is negative or has excessive overdrafts.

Points for Perks

Earn reward points when you use your Educators credit and debit card that you can redeem for discounts and promotions on Educators products and services, cash back, as well as gift cards, air travel and more with Points for Perks.


Direct deposit, E-statements and a checking debit card are all Loyalty Pay Back Reward services that help you earn a bigger reward for using more of the credit union’s products and services.

Fresh Start Checking

We understand that people fall on hard times. With our Fresh Start Checking program, we can help you re-establish a checking account and get back on track to realizing your financial dreams. We’ll waive the minimum monthly balance requirement if you have three or more Loyalty Pay Back services. After a year of good use of your account, you may qualify for a standard checking account. Other restrictions may apply.

student Checking Account

If you are under 18, we would still love to have you as a member! If you are under 13, you can open a savings account with an adult.


1There is no charge for using Bill Pay if at least two bills are paid each month; otherwise there is a $5.95 per month fee (no limit on number of bills paid).
2Payroll is not always available for early posting. The Federal Reserve doesn’t always provide the payroll files early, so checks should not be written or payroll funds used until they are actually posted to the account. Direct Deposit and payroll deduction are not available for all employee groups. Check with Educators or your employer’s benefits department.
3If you opened an account after 1/1/2010 and are not signed up for E-statements, your account is subject to a $2 monthly fee.

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.

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You are now leaving Educators Credit Union’s website This alternate website is not operated by Educators Credit Union. We only link to sites that we feel will be valuable to our members, but are not responsible for the content of these sites. Educators does not represent either the third party or the member if the two enter into a transaction. Be aware that privacy and security policies of these sites may differ from those practiced by the credit union.