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    Online Account Opening FAQs

    • What is the easiest way to join ECU or open additional accounts if I can't get to a branch?

      Click here and follow the instructions.

    • What do I need to open an account?
      • You must be 18 years of age
      • A valid government issued photo ID (the name you use on the application must match your ID)
      • Your Social Security Number or Individual Tax Payer Identification Number
      • A valid email address
      • Your physical residential address
      • Joint owner information if applicable
      • Your debit/credit card information and/or checking account information for funding
    • Can I join ECU?

      You are eligible for membership if you:

      • Live, work, worship, attend school, operate a business in one of the communties listed on our coverage maps.  Please note that ECU's field of membership does not cover all of Wise and Russell Counties in Virginia and Carter County in Tennessee.
      • Work regularly in the healthcare industry in the following counties outside ECU's community charter:  Carter, Hamblen, Johnson or Unicoi Counties in Tennessee; Buchanan, Russell, Smyth, Tazewell or Wise Counties in Virginia.
      • Are employed by one of our sponsor or contractor companies
      • Are a family member of one of our eligible members
      • Are a member of Hands On! Regional Museum
      • If you'd like to join ECU, but aren't sure you qualify for membership, please contact us for assistance at 800.999.2328.
    • Is there an age requirement to open an account online?

      To use the online application, you must be 18 years of age or older.  Please note, if you are 18, the security verification may not work.  If this happens, you will be advised to call us or visit a branch.

    • Is my member number the same as my account number?

      Your member number is used to locate your profile (all of your accounts) when you visit the branch in person. Most member numbers are ten digits beginning with "8000..." or eight digits beginning with "60...".  Your member number is not your account number.

      When using online account opening as an existing member, the Member Verification page will prompt you to enter your account number.  You may use any deposit or loan account number you have an ownership role on.

    • Which accounts are available?

      Primary Share (Savings), Beyond Free Checking, IMMA (Insured Money Market Account), Certificates, Christmas Club, Secondary Share and more!

    • How do I apply for a loan?

      Click any 'Apply Now' button or click here.

    • What loans are available?

      Signature, Single Payment, It's Your Money, Revolving Line of Credit, Seasonal, Student Line of Credit, Student Consolidation, New and Used Auto, New and Used RV, Other Chattel, VISA Classic, Platinum and Cash Rewards.

    • Can I apply for a Mortgage or Business Loan?

      You can apply for a mortgage by clicking here.  If you want to apply for a Business Loan, please contact ECU at 423.229.8200 or 800.999.2328.

    • How do I submit my photo ID?

      To comply with regulations, ECU requires a copy of your unexpired, government-issued Photo ID.  There are multiple methods available for submitting your photo ID:

      If prompted in the Online Application Workflow follow the instructions provided to upload your Photo ID image.

      If given a Status Center login during an application, please visit Status Center and follow the instructions provided to upload your Photo ID.

    • Image Requirements/Common Issues

      Your photo ID image must be one of the following formats:  PDF, JPG, GIF, TIFF, BMP, or PNG

      You must click "Submit Uploads" before clicking "Continue" during the workflow.

      Photo ID Upload page must be completed in less that 15 minutes or the applications will timeout.

    • How long do I have to fund my account?

      You have five (5) business days to fund your account.  If your account(s) are not funded within the five (5) days they will be closed. If you feel that you need more time to fund the account please contact ECU. Debit/Credit Card and ACH funding typically occurs within 2-3 days from account opening. If you chose mail funding please send the funds immediately as it may take up to 5 days for the funds to reach ECU.  Please include your full name and new ECU account number on the check.

    • When will I get my checks?

      If selected during the application, checks will typically be delivered within 5-10 days from the time your accounts are opened.  If you don’t receive your checks please contact ECU 800.999.2328.

    • When will I get an ATM/Debit card?

      If you requested a debit card by mail, an ECU representative will contact you after the application is approved and your initial deposit has been received. Cards are normally delivered within seven (7) to ten (10) business days.

      If you chose to have a debit card printed in a branch office, you may visit any ECU branch location to receive your card.

      Please note:  Debit Card issuance is subject to approval.  If you have questions, please contact ECU.

    • When will I get mobile deposit?

      Mobile Deposit is not available immediately for new members. For more information, see our Online & Mobile Deposits FAQ.

    • What if I didn't finish my application?

      You can return to the application at any time within 30 days and pick up where you left off by entering your email address and creating a password in the Status Center.  This option not available in the loan only application.

    • My application was withdrawn or denied, when will my credit card funds be released?

      Holds are placed by the issuing bank, and are normally released in three days.  If the hold has not been released after seven days, please contact ECU.

    • Will someone contact me?

      You will always receive an email when you complete an application.

      If your membership or deposit account application is automatically approved, you will receive an email with instructions for accessing Online Banking and copies of your account disclosures. If we need additional information to approve your application, an ECU representative will contact you by email to collect this information.

      If you applied for a loan, an ECU representative will contact you using your preferred contact method if additional information is required, and to review your application before booking.

      If you have not been contacted within 2 business days please call ECU at 423.229.8200 or 800.999.2328.

    • I submitted an application, now what?

      Some applications are approved automatically, others require additional review. If your application requires additional review, an ECU representative will review your application during regular business hours. If additional information is needed, you will be contacted by email.

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