Checking That Works For You
Your everyday banking should be simple, convenient and built around your needs. Our checking accounts offer the flexibility you need with no minimum balance requirement and no monthly maintenance fee. Enjoy the convenience of a debit card for everyday purchases, along with the support of a credit union that puts our members first. As a member-owned financial cooperative, we’re here to support you with personalized service and convenient account access.
Checking Account Benefits
Checking made easy for our members.
In-Person Transactions
You can take care of all your checking account needs at our office in Bloomfield. Make deposits, withdrawals and more with friendly, personalized service from our team.
Shared Branching
Traveling or living outside the area? With Shared Branching, you can visit over 5,000 participating credit unions across the country to make deposits, withdrawals, loan payments and balance inquiries.
Find a shared branch here.
Additional Benefits
Courtesy Pay
Life doesn’t always line up perfectly with your bank balance. Courtesy Pay can help cover transactions when you don’t have enough available money in your checking account.
Overdraft Protection
Overdraft Protection automatically transfers funds from your ECTFCU savings account to your checking account to help prevent an overdraft. There is no fee for this service.
Overdraft Privilege
Overdraft Privilege allows eligible transactions to be paid when there isn’t enough money available in your checking account for a fee.
Debit Cards
Prior to using your debit card, it must be activated. The number to call in order to activate your card or change your PIN is: 866-762-0558. You must call from the phone we have listed as your home phone.
If your debit card is lost or stolen, call to report it as soon as possible to protect yourself from fraudulent charges.
The number to call in order to report your card lost or stolen is:
Calling from within the U.S. during our business hours: 973-748-8847
Calling from within the U.S. other times: 888-241-2510
Calling from outside the U.S. or collect, all times: 909-941-1398
Checking Rates
| Account Type | Dividend Rate | APY | Penalty | Minimum |
|---|---|---|---|---|
| Checking | 0.05% | 0.05% | NA | NA |
* Annual Percentage Yield
All rates, penalties and minimum balances subject to change without notice.
