Personal Checking

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

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Bundled Accounts

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

24-Hour Access

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


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

Real-Time Deposits

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

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

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.

Student Checking
(age 13 and over)1
Minimum opening balance $0 $0
Activation or monthly fees $02 $02
Real-Time Deposits YES YES
24-hour Access 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

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

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’ Member Loyalty rewards you with money for your commitment to the credit union.

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!


With Change Up savings, using your debit card helps you save money. Make non-PIN “credit” purchases with your debit card and we’ll round up the change to the next dollar and deposit the difference into a special interest-bearing savings account. All you need is an Educators checking account and to be signed up for eStatements.

You can’t make additional deposits to your Change Up savings, but you can withdraw money at any time. The Change Up amount will not be withdrawn from your checking until the transactions clear your account. On your eStatement and Online Banking checking history, your transaction will show the exact amount of each purchase. All Change Up amounts will be totaled and deducted from your checking as one daily item at the end of each day.


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.