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

Features

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.

E-Alerts

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

Compare Accounts

	Standard Checking	Fresh Start Checking	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	$0²
Real-Time Deposits	YES	YES	YES
24-hour Access	YES	YES	YES
OVERDRAFT PRIVILEGE⁵	YES	NO	NO
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.²Accounts opened after 1/1/2010 without E-statements are subject to a $2 monthly fee. Advised fees may reduce earnings on account.
³Account closure after ten consecutive days if the account balance is negative or has excessive overdrafts.
⁵ Any 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.

More Detailed Information

Rates

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 PAY BACK REWARD AND ELIGIBLE SERVICES

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.

Checking

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.

Disclosures

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 eStatements, 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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