Personal Banking
{"items":[{"heading":"Home Buying Seminar","startDate":"January 23 at 2:23pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(4)","summary":"October 1, 2020
6PM EST
This seminar will be presented virtually via WebEx.
Click to register.
","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"February 24 at 4:03pm ET","url":"/resources/seminars-events/texas/transforming-social-security-into-a-winning-re-(1)","summary":"October 13, 2020
6PM CST (Texas)
This seminar is being presented virtually via WebEx.
Click to register.
","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"July 27 at 3:25pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 20, 2020
6PM CST (Texas)
This seminar is being presented virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Shred Day - Gray, TN","startDate":"September 26 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-gray,-tn","summary":"September 26, 2020 – 8AM - 12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"October 3 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville,-tn","summary":"October 3, 2020 – 8AM - 12PM or until trucks reach maximum capacityBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 6 at 6:00pm ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(4)","summary":"October 6, 2020
6PM EST
This seminar is being presented virtually via WebEx.
Click to register.
","lat":"","lng":""},{"heading":"Shred Day - Greeneville, TN","startDate":"October 1 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-greeneville,-tn","summary":"October 10, 2020 – 8AM - 12PM or until trucks reach maximum capacityGreeneville Branch
3811 E. Andrew Johnson Hwy
Greeneville, TN 37745","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/transforming-social-security-into-a-winning-re-(1)","summary":"October 15, 2020
6PM EST
This seminar is being presented virtually via WebEx.
Click to register.","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 22 at 6:00pm ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(5)","summary":"October 22, 2020
6PM EST
This seminar is being presented virtually via WebEx.
Click to register.
","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 24 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn-(2)","summary":"October 24, 2020 – 8AM-12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 3 at 6:00pm ET","url":"/resources/seminars-events/tennessee/planning-for-healthcare-in-retirement-(1)","summary":"November 3, 2020
6PM EST
This seminar will be presented virtually via WebEx.
Click to register.","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 5 at 6:00pm ET","url":"/resources/seminars-events/tennessee/planning-for-healthcare-in-retirement","summary":"November 5, 2020
6PM EST
This seminar is being presented virtually via WebEx.
Click to register.
","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 17 at 6:00pm ET","url":"/resources/seminars-events/virginia/planning-for-healthcare-in-retirement","summary":"November 17, 2020
6PM EST
This seminar is being presented virtually via WebEx.
Click to register.
","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 17 at 6:00pm ET","url":"/resources/seminars-events/texas/planning-for-healthcare-in-retirement","summary":"November 10, 2020
6PM CST (Texas)
This seminar is being presented virtually via WebEx.
Click to Register.
","lat":"","lng":""}]}

Features

The ECU Beyond Free Checking account is a truly free checking account that meets your financial needs with no hassles, no hidden fees, and no gimmicks. Enjoy no monthly service fee, no minimum balance requirements, no fee for debit card and free use of over 75 ECU ATMs.

  • Free stock checks for every box you order
  • Earn dividends on all balances
  • No ECU surcharge at foreign ATMs
  • Free Visa® Check Card and certified checks
  • Free switch kit to take the hassle out of changing direct deposits and automatic debits
  • Free domestic (U.S.) wire transfers 
  • Free access to ECU Online® with free Online Statements and free online check viewing
  • Free account access by phone
  • Free access to 55,000+ ATMs on the Allpoint surcharge-free ATM network with your ECU Visa® Check Card
  • Free enrollment of direct deposit on Social Security, Disability, SSI and other government payments

You can open your account online from start to finish in as little as 15 minutes!

Learn More:

  • Open A Beyond Free Checking Account

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

  • ECU Online Features

    With ECU Online, you'll be able to take advantage of Account Access, Bill Pay, Online Statements. Set up your account online today.

  • Overdraft Protection

    Learn more about the types of Overdraft Protection that ECU offers for your Beyond Free Checking Account

Beyond Free Checking Rates

Rates are subject to change.

AMOUNTANNUAL PERCENTAGE YIELD1DIVIDEND RATE2
$0 - 9,9990.05%0.05%
$10,000 - 24,999 0.10%0.10%
$25,000 - 49,9990.15%0.15%
$50,000 - 99,9990.20%0.20%
$100,000 - 199,0000.25%0.25%
$200,000 or greater0.30%0.30%

Rates accurate as of September 1, 2020 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.