Open your account



The tristate’s best checking account is now even better!


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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Vertical Checking lets you earn 3.30% APY! 1 That's higher than most banks' best certificate rates. With FREE ATM's2 worldwide you can simply use any other financial institution's ATM and ETFCU will refund any usage fees up to $15 per month. Your checking account is the key to an even lower rate on your new loan. 1/8% APR off your mortgage loan when you set your mortgage loan payments to be automatically paid from your ETFCU checking account.3 1/4% APR off any new personal, auto, or recreational vehicle loan when you have ETFCU’s free Vertical Checking or Platinum Rewards Checking. ETFCU Mobile lets you view and manage all of your accounts, deposit checks, pay bills, and apply for a loan all in one place. Make mobile payments with:


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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ETFCU’s Vertical Checking account is listed as a Kiplinger top checking account in February 2021 issue. Kiplinger’s Personal Finance is a registered trademark of The Kiplinger Washington Editors, Inc.
Investopedia, LLC, About, Inc. is a part of the Dotdash publishing family.

1Annual Percentage Yield accurate as of April 21, 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. 3Mortgage discount available on conventional conforming financing of purchases for primary residences only. Offer available for new primary mortgage loans and mortgage loans already established at ETFCU when refinanced with at least $10,000 new money. Closing costs may apply. Certain product exclusions may apply. Contact an ETFCU mortgage loan officer for further details.