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 had no previous checking accounts with us. To qualify for this bonus, new members must earn the $mart Checking Bonus Dividend (as described on the Truth in Savings disclosure that has been provided as part of the membership packet) within the first 2 full statement cycles of the account being opened and must not have a negative balance on the last day of the statement cycle in which the $mart Checking Bonus Dividend requirements are met. Once these requirements have been met, the $190 bonus will be deposited into the qualifying $mart Checking account within seven (7) days after the date the second statement is mailed or made available to you. It may not be deposited into any other account(s). Only one bonus will be paid per membership. If the account is closed within 12 months of the bonus being paid, ECU may deduct the bonus amount from the member’s available balance. The bonus is considered taxable and will be reported to the IRS as earnings on the account that is opened.