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Checking Accounts

An ECU Personal Checking Account is used for everyday expenses and payments, and includes all the convenience and security features you're looking for!

  • Easy access to your funds via check, a MasterCard debit card, pre-authorized payments, and/or electronic funds transfers.
  • A network of over 38,000 surcharge-free ATMs across the U.S. and Puerto Rico.
  • Our free Mobile App keeps you connected, and offers the ability to freeze and re-activate your debit card.
  • No minimum balance requirement or monthly service fee.
  • Free Overdraft Protection transfers from an associated Share Savings Account are available, subject to Regulation D (please refer to Important Account Information: Disclosures & Notices).
  • Overdraft Advantage with or without ATM and on-time debit card transactions is available (you must opt-in to receive Overdraft Advantage on your ATM and one-time debit card transactions).

Emerald Personal Checking Accounts do not earn dividends.

Need to reorder checks? You can reorder all of your personal and business checks safely and securely at www.OrderMyChecks.com.

A Fresh Start Checking Account is designed for members who may have difficulty obtaining a checking account at other financial institutions due to a record with ChexSystems.

  • Funds are easily accessed via checks, a MasterCard Debit Card, preauthorized payments and/or electronic funds transfers.
  • A MasterCard Debit Card may be added for access to over 38,000 surcharge-free ATMs.
  • Free Overdraft Protection transfers from an associated Share Savings Account are available, subject to Regulation D (please refer to Important Account Information: Disclosures & Notices).
  • Overdraft Advantage is available, but not for ATM or one-time debit card transactions.
Fresh Start Checking has a six-month term and a minimum deposit requirement of just $25.00.   There is a nominal monthly fee (please refer to Fee Schedule) but once the account has remained in good standing for the six-month term, it may be eligible to convert into a regular Personal Checking Account - with no monthly service fee. There is no debit card point-of-sale access available until the account converts to a regular checking account. An Emerald Fresh Start Checking Account does not earn dividends.

Need to reorder checks? You can reorder all of your personal and business checks safely and securely at www.OrderMyChecks.com.

Emerald offers a checking account for your business needs, too. 

  • Funds are easily accessed via checks, a MasterCard Debit Card, preauthorized payments and/or electronic funds transfers.
  • The MasterCard Debit Card may be used for both point-of-sale transactions and access to cash at over 38,000 surcharge-free ATMs.
  • Free Overdraft Protection transfers from an associated Share Savings Account are available, subject to Regulation D (please refer to Important Account Information: Disclosures & Notices).
Overdraft Advantage is not available with a Business Checking Account.  The monthly Business Checking Maintenance Fee may be waived by maintaining a minimum daily balance of $5,000.00 (please refer to Fee Schedule).  An Emerald Business Checking Account does not earn dividends.

We are happy to open the following types of Business Checking Accounts:
  • Sole Proprietor/DBA
  • Organization, Club, or Association
Contact our branch for more information, including required documentation.

Need to reorder checks? You can reorder all of your personal and business checks safely and securely at www.OrderMyChecks.com.

A MasterCard Debit Card is available with all types of Emerald Checking Accounts, and includes a network of over 38,000 surcharge-free ATMs nationwide.  Access to the free My Mobile Money app is also available giving you more control over how your debit card is used.  

Debit Card Customer Service:

Lost/Stolen 
800-383-8000

Dispute Services
833-288-1126

Fraud Services
855-219-5399

Card Activation
800-717-4923

PIN Change 
800-717-4923

Traveling?
To ensure uninterrupted usage of your Emerald MasterCard Debit Card while you travel, please call us prior to your departure date.  We will add a “Travel Memo” to your account preventing the Fraud Department from blocking your card due to unusual spending.  This is also a great opportunity to update your home and/or cell phone number(s) as well, in the event that the Fraud Department ever attempts to contact you.

Surcharge-Free ATM Networks

MoneyPass® is one of the largest surcharge-free ATM networks in the nation, with over 33,000 ATMs, including those found in over 2,000 Walmart stores, and over 8,000 7-Eleven convenience stores.  MoneyPass® now offers an ATM locator app for your smartphone.  You can find a MoneyPass® ATM by entering an address or zip code, or by using your current location.  Visit www.moneypass.com for all the details.


The Alliance One network also provides our members with surcharge-free ATM use at over 5,000 locations nationwide.  The Alliance One mobile app allows you to search by address or geo-location, and includes a bookmarking tool so you can keep your favorite ATM locations together in one place.  Visit www.allianceone.coop for all the details.

Brella Mobile App

Brella is a free mobile app that helps protect you from fraud by sending alerts when your debit card is used, so you can quickly detect unauthorized activity. You have control over which alerts to receive, and when. Alerts include:

  • Purchases exceeding thresholds you set
  • Purchases made via the internet or over the phone
  • Suspicious or high-risk purchases
If you receive an alert, you can quickly take action to help prevent fraud. In addition to this extra layer of protection, the Brella™ app also allows you to:
  • Block and reactivate your debit card
  • Send money to virtually anyone
  • Submit travel notices
  • Locate a nearby ATM
  • Check your account balance without logging in
  • Log in with just your fingerprint
Download the free Brella mobile app today from iTunes or Google Play, and learn more from the Brella™ User Guide.
 

Overdraft Advantage

Overdraft Advantage gives you three ways to protect your Checking Account from overdrafts, returned items, and non-sufficient funds (NSF) fees:

Transfer from Share Savings

We will automatically transfer the funds from your associated Share Savings Account, for FREE, up to six (6) times within one month* to pay an item that would otherwise be returned for non-sufficient funds (NSF), if the funds in your Checking Account are not available at the time the item is presented for payment.  This feature saves the embarrassment of having a bounced check or an item returned unpaid.  It will also prevent the $35.00 NSF fee from being charged for each returned item.  This transfer of funds will occur first, before either of the other Overdraft Advantage features are initiated, as outlined below.

*Regulation D limits transfers to a maximum of six (6).

Checks, ACH Debits & Payments, and Automatic Bill Payments

Overdraft Advantage is automatically activated for checks, ACH debits and payments, automatic bill payments, and other transactions made using your Checking Account once the account has been opened.  If your Checking Account is overdrawn by any of these items, Overdraft Advantage will pay them for you, up to a limit of $500.00.  This $500.00 limit includes a $35.00 fee for each item we pay for you.  While there is a fee for Overdraft Advantage to pay your non-sufficient funds (NSF) items, you will not have to pay additional fees to the payee or their financial institution.  Overdraft Advantage allows a maximum of 30 days to pay back the overdrawn balance in your Checking Account.

ATM and One-Time Debit Card Transactions

Overdraft Advantage also pays ATM and one-time debit card transactions if they cause your Checking Account to be overdrawn.  However you will be required to opt-in for these items to be paid.  Once you are opted-in, Overdraft Advantage will pay them for you, up to a limit of $500.00.  This $500.00 limit includes a $35.00 fee for each ATM and/or one-time debit card transaction that we pay for you.  While there is a fee for Overdraft Advantage to pay your non-sufficient funds (NSF) items, you will not have to pay additional fees to the payee or their financial institution.  Overdraft Advantage allows a maximum of 30 days to pay back the overdrawn balance in your Checking Account.  This feature of Overdraft Advantage is not available with Fresh Start Checking or Business Checking Accounts.


If you have multiple personal Checking Accounts, you will only have access to parts one (1) and two (2) of Overdraft Advantage, as listed above. Part three (3) is only available on one checking account per household.  If you have previously opted-in for ATM and one-time debit card transactions, you are not required to opt-in again.  If you have not previously opted-in, but would like to do so now, please contact us for assistance.

PLEASE NOTE: You may not use Overdraft Advantage to overdraw your Checking Account at any Emerald Credit Union branch.

Any account overdrawn beyond a period of 45 days may be closed.  Emerald Credit Union reserves the right to either honor an overdraft or return the item for insufficient funds, even though we may have previously paid overdrafts before.  Contact a Member Service Representative for additional information.