$mart Checking Checks All the Boxes

No monthly fee? Check!

An offer to earn up to 6.10% APY? Check!

An ECU $mart Checking account is perfect for members looking to get back to basics. Enjoy 24/7 access to your account through an instant issue debit card, access to surcharge-free ATMs, and our FREE mobile app.

*APY = Annual Percentage yield. APY is accurate as of 1/1/24 and subject to change. If minimum qualification requirements are met during monthly qualification cycle, and maintain at least $1,000 daily balance, 6.10% APY will apply to balances $50,000.00 and below and .10% APY will apply to balances of $50,000.01 or more. Fees may reduce earnings on the account. If all of minimum qualification requirements are met except you do not maintain a minimum $1,000 daily balance during monthly qualification cycle, 6.00% APY will apply to your entire balance. If you do not meet minimum qualification requirements but maintain a minimum $1,000 average daily balance during the monthly qualification cycle, .10% APY will apply to the entire balance. Other restrictions may apply.

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

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