Checking Accounts
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 coverage 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. Educational Systems Federal Credit Union 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.
Premium Checking
A Premium Checking Account features no minimum account balance requirement and no monthly service fee.
Dividend Checking
The Dividend Checking Account offers dividends with a minimum account balance of $500. This balance is also required to avoid the $10 monthly fee.3
Frequently Asked Questions
Stop payments may be requested during business hours by phone or in person. The fee for this service is outlined in our fee schedule. There is no fee if the stop payment is requested online through Digital Banking.
Please follow our step-by-step guide to deposit a check at our ATM.
Log in to Digital Banking. Click on “Reorder Checks” from the left side bar menu. This will bring you to Harland Clark’s website. Please note that the following types of check orders need to be requested by speaking to a Credit Union employee:
Initial checks
Orders that haven’t been placed within the past four years
Checks for Star Members
Checks for Money Market Accounts or Home Equity Lines of Credit (HELOC)
Helpful Tip
You can get cash at the grocery store checkout using your debit card without incurring a fee by selecting the debit option. If you don't need cash, select credit.
Enjoy the benefits of membership
Financial Wellness is Within Reach
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 Dividend Checking Account fee is waived for Star Members.