From Educators to Everyone!

Join today and see why $mart Checking is one of the smartest ways to make the most of your money.

We are proud to be the largest credit union in the region, trusted by over 40,000 members. Though we were initially founded to serve teachers, over the years our mission has grown. Membership is open to anyone who lives, works, worships or attends school within 10 miles of any of our locations*.

To join, simply complete our online membership application or visit any of our convenient locations. Check out our How Become A Member page to learn more.

When you become a member at ECU, you can sign up for $mart Checking! It’s easy to open, easy to navigate, and full of electronic support tools.

See the benefits:

  • No monthly fee

  • No minimum opening deposit

  • Free instant-issue, tap technology VISA® debit card

  • Access to over 80,000+ surcharge-free ATMs nationwide

Plus, you can qualify for bonus interest** on your $mart Checking account when you do the following:

  • Enroll in edocs

  • Complete at least 15 non-ATM debit card transactions that post and clear your account

  • Receive at least $500 in electronic deposits.

Become a member. Start banking smarter.

Promo image with ECU staff

*For complete qualifications, visit our How to Become a Member Page, or speak with a member service specialist.

**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 $75,000, and the Standard Rate and Annual Percentage Yield listed for this account will apply to balances over $75,000. 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.

Membership eligibility required.