Personal Banking
{"items":[{"heading":"Estate Planning Basics","startDate":"August 6 at 10:47am ET","url":"/resources/seminars-events/tennessee/estate-planning-basics","summary":"October 19, 2021
6PM EST
Presented Virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Social Security","startDate":"August 6 at 10:48am ET","url":"/resources/seminars-events/tennessee/social-security","summary":"November 9, 2021
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Shred Day - Longview, TX","startDate":"September 25 at 8:00am ET","url":"/resources/seminars-events/texas/shred-day-longview,-tx","summary":"October 8, 2021 – 1PM - 5PM or until the shred truck reaches maximum capacityPine Tree Branch
2002 West Loop 281
Longview, TX 75604","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"October 2 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville,-tn","summary":"October 2, 2021 – 8AM - 12PM or until trucks reach maximum capacityBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"October 7 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"October 7, 2021
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 9 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn-(2)","summary":"October 9, 2021 – 8AM-12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"October 19 at 3:25pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 19, 2021
6PM CST
Presented virtually via WebEx
FOR MEMBERS RESIDING IN TEXAS ONLY
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 80 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 56,200+ ATMs on the Allpoint and Presto surcharge-free ATM networks with your ECU Visa® Check Card
  • Free foreign currency exchange

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, 2021 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.