Key Checking

Essential FCU's Key Checking account is a high yield checking account that will earn you rewards by meeting the simple monthly requirements. We want to reward you for using your checking account!


  • 3.00% APY1 on balances $10,000 or below
  • Balances above $10,000 earn .30% APY1 on that portion
  • ATM fees refunded from all other financial institutions1
  • No monthly service charge1
  • No minimum balance
  • No teller fees
  • No per check processing fee
  • Free instant issue VISA Debit Card
  • Free eStatements via email
  • View cleared checks online for free
  • Direct Deposit available
  • Free Online Banking
  • Free Online Bill-Pay
  • Free automatic loan payments2
  • Free Telephone Banking
  • Safe Pay Program3
  • Overdraft Protection4

Simple monthly requirements to earn Rewards:

  • 10 or more VISA Check card transactions
  • Enrolled in eStatements (no mailed statements)
  • Direct Deposit or 1 Bill Payment in ebanking

Additionally, you can rest easy knowing your money is federally insured up to $250,000.5

GET STARTED TODAY!  Contact us at 1.888.369.2207, visit one of our Branches or APPLY NOW!

1APY=Annual Percentage Yield.  Rates may change after account is opened. Minimum to open is $5. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to a $20 amount each cycle (up to $5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.00%; and (3) balances over $10,000 earn 0.30% interest rate on portion of balance over $10,000, resulting in 0.30% -3.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN.
2Free automatic loan payments from a Essential FCU Account only.
3Essential FCU will not return a check written to a merchant (as long as it does not bring your account below -$500), but will honor the check and draft the money from your account within 30 days. Normal NSF fees apply and there is a $34 service charge each time Safe Pay is implemented. Check eligibility.
4There is a $5.00 fee for transferring money from savings to the overdrawn account using the overdraft protection option.
5$250,000 in total account balances