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Beyond Free Checking

Experience free checking with no minimum balance requirement and earn dividends on all balances.
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Enjoy no monthly service fee, no minimum balance requirements, no fee for debit cards, and free use of over 80 ECU ATMs.

  • Earn dividends on all balances
  • No ECU surcharge at foreign ATMs
  • Additional free benefits include certified checks, domestic (U.S.) wire transfers, access to 56,200+ ATMs on the Allpoint┬« and Presto┬« ATM networks, foreign currency exchange, and more!

Open an Account

Sign up online in as little as 15 minutes and start enjoying truly free checking.


Beyond Free Checking Rates

Rates are subject to change.

Amount Annual Percentage Yield1 Dividend Rate2
$0 - 9,999 0.05% 0.05%
$10,000 - 24,999 0.10% 0.10%
$25,000 - 49,999 0.15% 0.15%
$50,000 - 99,999 0.20% 0.20%
$100,000 - 199,999 0.25% 0.25%
$200,000 or Greater 0.30% 0.30%

Rates accurate as of June 1, 2024 and are subject to change.

1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit. APY is an annual calculation based on 365 days (366 days in a leap year). Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. APY shown is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU. Checks are not issued for dividends earned on these account types.

2Rate and APY for the Beyond Free Checking account also applies to the Health Savings Account checking account.


Online Statements are free and available 24/7! Sign-up is quick and you gain immediate access to the past 24 months of statements.

You may sign up for Online Statements using ECU Online or the ECU Mobile App. Learn How

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