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Checking accounts to help you manage your money

All of our checking accounts make managing your money easy with Digital Banking and Mobile Deposit. In addition, you can access your money by writing a check or using your debit card at thousands of surcharge-free ATMs1 and at retailers everywhere including merchants who participate in Apple Pay® and Samsung Pay. Star members also enjoy unlimited ATM access2 and free Star member checks. In the event you have unexpected overdrafts, we have you covered with three overdraft options.  

Members must qualify for one of our checking accounts. Based on a review of your credit, we'll pair you with the checking account that’s right for your needs. 
  • Premium Checking
    A Premium Checking Account features no minimum balance requirement and no monthly service fee.
  • Standard Checking
    The Standard Checking Account requires a $1,500 minimum daily balance to avoid the $12.95 monthly fee.3
  • Dividend Checking
    The Dividend Checking Account offers dividends with a minimum balance of $500. This balance is also required to avoid the $10 monthly fee.4  

Members between the ages of 13 and 15 can open a checking account with a joint owner. At age 16, students can have their own checking account. To open an account, students need to provide a school ID or photo identification as well as proof of address using a report card or a statement from a financial institution.

Open your account today

Give us a call at 301.779.8500 or visit a nearby branch. If you currently have a checking account elsewhere, we'll help you switch to Educational Systems FCU with our Switch Kit.
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Helpful tip
You can get cash at the grocery store check out using your debit card without incurring a fee by selecting the debit option.  If you don't need cash, select credit.
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1 Withdrawals are free from all Educational Systems FCU ATMs when using an Educational Systems FCU ATM or debit card.  Surcharge-free transactions are also available at CULIANCE 'CU Here' Network ATMs across the country. For non-Credit Union ATM transactions, please refer to our Fee Disclosure.
2 ATM transaction fees for any given month are only waived if your Star relationship is confirmed for the end of the month in which the transaction(s) occurred.
3 The Standard Checking low balance fee is waived for members under the age of 22.
4 The Dividend Checking Account fee is waived for Star Members.

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