Your checking account funds at EECU are always safe since deposits are federally insured up to $100,000 by the full faith and credit of the NCUA, a U.S. government agency.

Free Basic Checking

No minimum balance requirement No per-check fees Unlimited check writing No monthly service charge Overdraft Protection Line-of-Credit Available Free ATM or VISA Check Card Non-interest bearing account

Free Alumni Club Checking

Available to EECU's Alumni Club members age 50+ and maintain an aggregate EECU deposit balance of $5,000 or more Free EECU Custom Checks (1 box per order) No minimum balance requirement No per-check fees Unlimited check writing No monthly service charge Overdraft Protection Line-of-Credit Available Free ATM or VISA Check Card Non-interest bearing account

I want to open an EECU Checking account
Checking Questions & Answers

What is Overdraft Protection?
Overdraft protection acts as a "safety net" to keep you from bouncing checks and incurring fees should you overdraw your checking account. EECU provides two types of overdraft protection: from a personal line-of-credit and from your Regular Savings account.

Overdraft Protection Line-of-Credit
This type of overdraft protection is a personal protection loan. If necessary, funds are automatically transferred from the line-of-credit to cover your clearing checks. There is no fee for the service, but an applicable interest rate applies. You must apply, and be approved, for the overdraft protection line-of-credit in order for it to become effective. Read our disclosure for more details.

Savings Overdraft
EECU automatically transfers the necessary funds from your Regular Savings account to cover clearing checks. There is no fee for this service. If you don't sign up for overdraft protection line-of-credit, you automatically receive overdraft protection from your Regular Savings Account. The number of transfers that can be completed are limited to six each month, due to Federal Regulation D. Regulation D transfers include:

Pre-authorized or automatic transfers/withdrawals (savings overdraft) Touch Tone Teller transfers Telephone transfers EECU On-Line transfers

Overdraft Questions & Answers
For more information, including fees and transaction limitations for each checking option, please call (314) 298-0055 or (800) 522-6009. Or, visit your nearest EECU Branch.