Earn 3.30% APY!
Enjoy free ATMs worldwide and no monthly service fee.
Cutting-edge online and mobile banking services!


Open your Vertical Checking account and start earning today!


Earn 3.30% APY each month you meet these easy 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.

Receive a discounted rate on new loans when you have select ETFCU checking accounts!

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Upgrade your existing ETFCU checking account and start earning 3.30% APY!



Protect your account against declined debit card transactions.

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One Place. One Password. All of Your Financial Data.

With the ETFCU Mobile, manage all of your accounts—including those held outside ETFCU—in one place, with one password. You can also transfer funds, deposit checks, create budgets, pay bills, apply for a loan, and more.


Open your account and start earning 3.30% APY plus FREE ATMs anywhere!

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Investopedia, a financial website headquartered in New York City, named Vertical Checking the nation’s Best Joint Checking Account for Debit Users in December 2020. It recognized Evansville Teachers Federal Credit Union as its Best Credit Union for Checking in February 2021. Investopedia, LLC, About, Inc. is a part of the Dotdash publishing family.

1Annual Percentage Yield accurate as of October 22, 2021. Rate subject to change. Monthly earnings based on a 365 day year. 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 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. 2Must meet account requirements to receive ATM fee reimbursement. ATM withdrawal must be from the qualifying Vertical or Platinum Rewards Checking account. ATM fee reimbursement limited to $15 per account per month. 3Discount available on conventional conforming financing of purchases for primary residences and refinancing of mortgage loans already established at ETFCU only. Offer available for already established SmartMove loans when refinanced with at least $10,000 new money. Closing costs may apply. ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply. Contact an ETFCU mortgage loan officer for further details.