Personal Checking

We’ve designed checking accounts with you in mind. No monthly service fees1 and all the perks of being a member-owner.

Open an account
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Real-Time Deposits

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

24-Hour Access

Log into your account from your computer or mobile device. Make deposits with FlashCash, use BillPay 1 and more.


Get an email or text notification on account activities you choose.

No Minimum Balance

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

No Monthly Fees

Sign up for our eStatements and enjoy no monthly fees3 on most accounts.

Points for Perks

Eligible to start earning Points for Perks reward points when you use your Educators credit and debit card.

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 Jan. 1, 2010, without eStatements are subject to a $2 monthly fee. Fees may reduce earnings.
3Account closure after ten consecutive days if the account balance is negative or has excessive overdrafts.
5Any 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.

Points for Perks

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


Loyalty should be rewarded. Educators’ Loyalty Pay Back Reward service rewards you with money for your commitment to the credit union.

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. 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. Above 13, open a student account today!


Account Type APY1 Minimum to earn interest
Standard Checking 0.01% $2,500
Fresh Start Checking 0.01% $2,500
Youth Checking 0.01% $2,500
Business Checking 0.01% $2,500
Non-Profit Checking 0.01% $2,500

1APY = Annual Percentage Yield.


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 the 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 Jan. 1, 2010 and are not signed up for eStatements, your account is subject to a $2 monthly fee. Fees could reduce earnings.

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.