Checking Accounts
Checking accounts designed for convenient money management
Checking That Works as Hard as You Do
Easily manage your money
Thousands of surcharge-free ATMs¹
Overdraft protection when it matters most
A variety of checking account options to fit different financial needs
We offer a variety of checking account options with online and mobile banking access for convenient money management. 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 a checking 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 Account
A Premium Checking Account features no minimum account balance requirement and no monthly service fee.
Dividend Checking Account
The Dividend Checking Account offers dividends with a minimum account balance of $500. This account balance is also required to avoid the $10 monthly fee.3
Send and receive money with Zelle®
Prepare for life's unexpected expenses.
- Start with a small goal to cover minor unexpected expenses, then work towards 3-6 months of living expenses
- Set up automatic transfers from your checking account to your savings account on payday
- Keep your emergency fund in a separate savings account, so you're not tempted to dip into it
- Review and adjust your emergency fund goal annually as your finances change
- Consider your job stability and household situation when determining your target amount
Frequently Asked Questions
Please follow our step-by-step guide to deposit a check at an Educational Systems Federal Credit Union 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 an Educational Systems Federal 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)
Yes. 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.
A checking account is catered to everyday spending and money management. Checking accounts from Educational Systems Federal Credit Union come with a debit card for convenient access to account funds. Savings accounts grow your money with interest on your account balance over time.
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.