We’re Turning 90, and You Could Get $190!*

To celebrate our 90th year, we’re offering a $190 bonus for new $mart Checking
account holders.

To earn the $190 bonus, new $mart Checking account holders will need:

  1. Meet $mart Checking Bonus Dividend requirements within the first 60 days of the account being opened
  2. Must maintain a positive balance on the last day of the statement cycle that the $mart Checking Bonus Dividend requirements are met

To earn the monthly $mart Checking Bonus Dividend:

  1. Enroll in eDocs
  2. Make at least 15 debit card purchases (Non-ATM, posted, and settled transactions only)
  3. Receive $500+ in electronic deposits (Includes payroll, ACH transfers, direct deposits, or remote deposits)

$mart Checking members also enjoy:

  • Surcharge free ATM transactions at 67,000 locations nationwide
  • Free instant issue VISA debit card
  • No minimum opening deposit
  • No monthly service charge
  • Handy Mobile App with Zelle and Check Deposit

Plus, we make it easy to move your Checking accounts with our handy Switch Kit!

*Offer valid July 1, 2025 through December 31, 2025, for individuals who have no previous checking accounts with Education Credit Union. To qualify for this bonus, new members must earn the Smart Checking Bonus Dividend (as described in the Truth In Savings disclosure that has been provided as part of the membership packet) within the first 2 full statement cycles of the checking account being opened and must not have a negative balance on the last day of the statement cycle in which the Smart Checking Bonus Dividend requirements are met. Once these requirements have been met, the $190 bonus will be directly deposited into the qualifying Smart Checking account within seven (7) days after the date the Smart Checking Bonus Dividend has been deposited. This bonus may not be deposited into any other account(s). Only one(1) bonus will be paid per membership. If the account is closed within 12 months of the bonus being paid, Education Credit Union may deduct the bonus amount, not to exceed $190 from the member’s available balance. This bonus is considered taxable and will be reported to the IRS as earnings on the account that is opened.