- Earn 3.30% APY–now on balances up to $20,000!
- FREE ATMs anywhere worldwide
- Cutting-edge online and mobile banking
- No minimum balance
- No monthly service fees
Enjoy 3.30% APY on your balance up to $20,000. That’s more than money market rates or the highest yielding certificates!
- 500 bonus ScoreCard points
- FREE ATMs anywhere worldwide
- Cutting-edge online and mobile banking
- No minimum balance
- No monthly service fee
Earn reward points every month and with every qualifying purchase. Redeem them for name-brand merchandise, travel, and more!
Monthly Requirements
15+ debit card purchases
1+ direct deposit into the account
1+ online or mobile banking login
Receive electronic statements
Enjoy the convenience of eStatements for free! Click here to enroll or learn more.
Track your checking rewards progress
We make it easy to qualify. Just log in to ETFCU online banking or ETFCU Mobile to track your progress for the month. Plus, track multiple checking account qualifications with the drop down arrow on the top right.
Only Vertical Checking and Platinum Rewards Checking offer all of these exciting benefits:
Great Rates and Rewards
Free ATMs Anywhere
No Minimum Balance
No Monthly Service Fee
Cutting-Edge
Account Access
Plus, receive a rate discount on your next auto, mortgage, or personal loan!
Since 1976, Habitat has helped 9.8 million people find stability and independence through safe, decent, and affordable shelter.
For every Platinum Rewards or Vertical Checking account opened, ETFCU will make a donation to Habitat for Humanity.
Checking Rates
Checking Rates
Rates accurate as of May 23, 2022
Types Minimum to Open # of Debit Transactions Dividend APY^ Min Bal to Earn Dividend
Vertical Checking* $25 15+ 3.25% 3.30% N/A
Platinum Rewards Checking** $25 15+ 0.005% 0.005% $500
Business Dividend Checking $100 N/A 0.005% 0.005% $1,000
Classic Checking $25 N/A 0.005% 0.005% $500
Classic Debit Checking $25 N/A 0.005% 0.005% $500
Health Savings Checking N/A N/A 1.99% 2.01% $500
Investor Checking $25 N/A tiered dividends based on account balance
$1,000 - $9,999 - - 0.15% 0.15% $1,000
$10,000 - $24,999 - - 0.18% 0.18% $10,000
$25,000 - $49,999 - - 0.22% 0.22% $25,000
$50,000 or more - - 0.22% 0.22% $50,000
Other Checking Account Options
CLASSIC DEBIT CHECKING
Classic Debit Checking is a free checking account that offers the convenience of a debit card.
CLASSIC CHECKING
This account offers the basic benefits of a free ETFCU checking account without a debit card.
INVESTOR CHECKING
Investor Checking is a free account that offers earnings based on current ETFCU money market rates and tiers.
EARN MORE WITH A CHECKING ACCOUNT FROM ETFCU
You don’t have to be a teacher to take advantage of our services.
Simply open your account online today to get started.
OPEN YOUR ACCOUNT ONLINE
Already have an account? Click here to upgrade.
Ready to learn about all the benefits of a checking account?
Our Financial Education Center can help!
Annual Percentage Yield accurate as of May 20, 2022. Rate subject to change. Fees or other conditions could reduce earnings on the account. Minimum $25 required to open. Contact an employee for further information about applicable terms and fees. Applicable on balances up to $20,000. 3.30% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. To help you balance your checkbook, click here to open a check reconciliation form along with error resolution notification information. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month. Fees reimbursed based on transaction details obtained by the ATM provider.