Personal Checking

An Emerald Credit Union Checking Account includes:
  • No Minimum Balance Requirement
  • FREE MasterCard Debit Card
  • Over 23,000 Surcharge-Free ATMs - MoneyPass® & Alliance One
  • FREE Online Banking – Emerald24
  • FREE Mobile Banking
  • FREE Online Check Images
  • FREE E-Statements
  • FREE Online Bill Payer
  • FREE Overdraft Protection Transfer from Savings (Subject to Reg. D)
  • Courtesy Pay Available
  • FREE 24/7 Account Access – Call 24 / Emerald24


Emerald Business Checking
Please make sure to have the following documentation with you when opening a Business Checking Account:  Sole Proprietors doing business in any name other than their own must have a Fictitious Name Filing Certificate  from the State of Ohio.  Businesses other than DBAs and Sole Proprietors must have a Proof of Business EIN Certificate from the State of Ohio.

Giving your Business Account all the power it needs without paying excessive fees is easy at Emerald Credit Union.  And best of all, your monthly Business Checking maintenance fee can be waived by maintaining a minimum daily balance of $5,000.00.*

Please note the highlighted changes to your Business Account Fee Schedule, effective June 1, 2015:

Emerald Business Savings Account:


Account Maintenance Fee


Paper Statement Fee

$5.00 per statement mailed - waived with enrollment in eStatements

Emerald Business Checking:


Account Maintenance Fee

$5.95 per month - waived with minimum daily balance of $5,000.00

Emerald24 Online Banking


Online Bill Pay




Online Check Images


Debit Card:


     PIN Transactions - up to four (4) per month


     Additional PIN Transactions

$1.50 each

     MoneyPass® and Alliance One ATMs


Overdraft Transfer from Business Savings (Subject to Reg. D**)


*The account maintenance fee of $5.95 will be waived each month by maintaining a minimum daily balance of $5,000.00 in your Business Checking Account.  All fees are subject to change.

**Federal Regulation D limits the number of preauthorized transfers, including ACH, electronic, online, automatic and telephone transfers to six (6) per month, of which no more than three (3) may be by check (if applicable).


Account Disclosures

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