ECU $mart Checking

$mart Checking is perfect for members looking for a basic checking account with no monthly fee! It’s easy to open, easy to navigate, and full of electronic support tools.

• No minimum opening deposit
• Access to over 67,000 surcharge-free ATMs nationwide
• Free instant issue VISA debit card

To meet minimum qualification requirements to qualify for a higher Bonus Rate or Bonus Rate Plus on your $mart Checking account, you must:

• Be enrolled in edocs
• Complete at least 15 non-ATM debit card transactions that post and settle your account
• Receive at least $500 in electronic deposits

The $mart Checking account is a tiered rate account. Each interest rate will apply only to that portion of the account balance within each balance range. If you meet the above specified minimum qualifications requirements and maintain a minimum $1,000 daily balance during the monthly qualification cycle, the Bonus Rate Plus and Annual Percentage Yield listed for this account in the Rate Schedule will apply to balances of up to $50,000, and the Standard Rate and Annual Percentage Yield listed for this account will apply to balances over $50,000. If you meet the minimum qualification requirements but do not maintain a minimum $1,000 daily balance during the monthly qualification cycle, the Bonus Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply to your entire balance. If you do not meet the minimum qualification requirements but maintain a minimum $1000 daily balance during the monthly qualification cycle, the Standard Rate and Annual Percentage Yield as listed in the Rate Schedule will apply to the entire balance.

See our deposit rates for all current $mart Checking rates.