Personal Banking
{"items":[{"heading":"Shred Day - Bristol , VA","startDate":"May 5 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-bristol-,-va","summary":"May 5, 2018 — 8AM-12PMLee Highway Branch
16501 Highlands Center Blvd
Bristol, VA 24202","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 13 at 12:07pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(3)","summary":"August 28, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 13 at 6:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(2)","summary":"May 22, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"February 26 at 1:35pm ET","url":"/resources/seminars-events/tennessee/construction-seminar-(1)","summary":"September 18, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"February 26 at 1:46pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar","summary":"May 1, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"February 26 at 2:00pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar-(1)","summary":"October 23, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"February 26 at 2:16pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 16, 2018 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"February 26 at 2:21pm ET","url":"/resources/seminars-events/texas/home-selling-seminar","summary":"May 15, 2018 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 26 at 2:26pm ET","url":"/resources/seminars-events/texas/home-buying-seminar","summary":"September 18, 2018 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"February 26 at 2:32pm ET","url":"/resources/seminars-events/texas/home-selling-seminar-(1)","summary":"November 13, 2018 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 26 at 2:41pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"November 13, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Credit Reports Seminars","startDate":"April 11 at 11:30am ET","url":"/resources/seminars-events/virginia/credit-reports-seminars","summary":"Choose from 8 Sessions in April & May
Locations include Bristol, Johnson City, Kingsport, Greeneville, and Duffield
","lat":"","lng":""},{"heading":"Credit Reports Seminars","startDate":"April 11 at 1:41pm ET","url":"/resources/seminars-events/tennessee/credit-reports-seminars","summary":"Choose from 8 Sessions in April & May
Locations include Bristol, Johnson City, Kingsport, Greeneville, and Duffield
","lat":"","lng":""},{"heading":"Medicare Seminar","startDate":"April 12 at 6:00pm ET","url":"/resources/seminars-events/tennessee/medicare-seminar","summary":"April 12, 2018 — 6PM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Medicare Seminar","startDate":"April 24 at 6:00pm ET","url":"/resources/seminars-events/virginia/medicare-seminar","summary":"April 24, 2018 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Medicare Seminar","startDate":"April 24 at 6:00pm ET","url":"/resources/seminars-events/texas/medicare-seminar","summary":"April 24, 2018 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Shred Day - Mt. Carmel","startDate":"April 28 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-mt-carmel","summary":"April 28, 2018 – 8AM-12PMMt. Carmel Branch
166 W. Main Street
Mt. Carmel, TN 37645 ","lat":"36.542708","lng":"-82.659130"},{"heading":"Basics of Estate Planning","startDate":"May 3 at 6:00pm ET","url":"/resources/seminars-events/tennessee/basics-of-estate-planning","summary":"May 3, 2018 — 6PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Fraud & Identity Theft Seminars","startDate":"May 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/fraud-identity-theft-seminars","summary":"Choose from 8 Sessions in May
Locations include Bristol, Johnson City, Kingsport, Greeneville, and Duffield
","lat":"","lng":""},{"heading":"Fraud & Identity Theft Seminars","startDate":"May 15 at 6:00pm ET","url":"/resources/seminars-events/tennessee/fraud-identity-theft-seminars","summary":"Choose from 8 Sessions in May
Locations include Bristol, Johnson City, Kingsport, Greeneville, and Duffield
","lat":"","lng":""},{"heading":"Basics of Estate Planning","startDate":"May 17 at 6:00pm ET","url":"/resources/seminars-events/tennessee/basics-of-estate-planning-(1)","summary":"May 17, 2018 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Shred Day - Greeneville","startDate":"May 19 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-greeneville","summary":"May 19, 2018 – 8AM-12PMGreeneville Branch
3811 E. Andrew Johnson Hwy
Greeneville, TN 37745 ","lat":"","lng":""},{"heading":"Basics of Estate Planning","startDate":"May 22 at 6:00pm ET","url":"/resources/seminars-events/virginia/basics-of-estate-planning","summary":"May 22, 2018 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Basics of Estate Planning","startDate":"May 22 at 6:00pm ET","url":"/resources/seminars-events/texas/basics-of-estate-planning","summary":"May 22, 2018 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Shred Day - Blountville","startDate":"September 15 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville","summary":"September 15, 2018 – 8AM-12PMBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Shred Day - Gray","startDate":"September 29 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-gray","summary":"September 29, 2018 – 8AM-12PMGray Branch
384 Roy Martin Road
Gray, TN","lat":"36.418432","lng":"-82.467689"},{"heading":"Shred Day - Gate City","startDate":"October 6 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-gate-city","summary":"October 6, 2018 – 8AM-12PMGate City Branch
265 Jones St.
Gate City, VA 24251 ","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 9 at 11:30am ET","url":"/resources/seminars-events/tennessee/social-security-seminar-(3)","summary":"October 9, 2018 — 11:30AM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 9 at 6:00pm ET","url":"/resources/seminars-events/tennessee/social-security-seminar-(4)","summary":"October 9, 2018 — 6PM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Shred Day - Meadowview","startDate":"October 13 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-meadowview","summary":"October 13, 2018 – 8AM-12PMMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 18 at 6:00pm ET","url":"/resources/seminars-events/tennessee/social-security-seminar-(5)","summary":"October 18, 2018 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 25 at 6:00pm ET","url":"/resources/seminars-events/virginia/social-security-seminar-(1)","summary":"October 25, 2018 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 25 at 6:00pm ET","url":"/resources/seminars-events/texas/social-security-seminar-(1)","summary":"October 25, 2018 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 1 at 11:30am ET","url":"/resources/seminars-events/tennessee/retirement-seminar","summary":"November 1, 2018 — 11:30AM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 1 at 6:00pm ET","url":"/resources/seminars-events/tennessee/retirement-seminar-(1)","summary":"November 1, 2018 — 6PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 6 at 6:00pm ET","url":"/resources/seminars-events/tennessee/retirement-seminar-(2)","summary":"November 6, 2018 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/retirement-seminar","summary":"November 15, 2018 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 15 at 6:00pm ET","url":"/resources/seminars-events/texas/retirement-seminar","summary":"November 15, 2018 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","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 more than 70 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 (> $100)
  • 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:

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 April 02, 2018 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.

FAQs

  • What fees can I expect with ECU Beyond Free Checking?
    Minimum Deposit to Open Account $0.00
    Monthly Service Fee $0.00
    ECU Standard Personalized Checks Free
    VISA Check Card Free
    ECU and Allpoint ATM usage Free
    Other Financial Institutions ATM (No Charge by ECU) Free
    Monthly Statements (Online or Mailed) Free
    Unlimited Bill Pay Free
    Certified Checks Free
    Online and Telephone Services Free
    Domestic Wire Transfers (limit of 8 per month) Free
    Incoming Foreign Wire Transfers Free
    Visa Check Card or ATM Card Replacement $5.00
    Stop Payment Fee (per Item) $30.00
    Return of Deposited Item $12.00
    Foreign Wire Transfer (Outgoing) $55.00
    Account Activity Printout (per Account) $1.00
    Account Balancing Assistance (per Hour) $15.00
    Account Research (per Hour) $15.00
    Check Copy (per Check) $3.00
    Manual Check Processing (per Check) $20.00
    Photocopy of Statement $5.00 $5.00
    Insufficient Funds (NSF) Fee (per Item) $30.00
    Uncollected Funds (UCF) Fee (per Item) $30.00