With a Simple Checking Account, it is what it sounds like...SIMPLE! Receive the perks of this free* checking account by simply having a monthly Direct Deposit or a Loan with a balance.
- No monthly service charge1
- No Minimum balance
- No teller fees
- No relationship fees
- No per check processing fee
- Free instant issue VISA Debit Card
- Free monthly statements via mail or estatements via email
- View cleared checks online for free
- Direct Deposit available
- Free Online Banking
- Free Online Bill-Pay2
- Free automatic loan payments2
- Free Telephone Banking
- ATM Access3
- Safe Pay Program4
- Overdraft Protection5
- Minimum of one (1) Direct Deposit or
- A Loan with a balance
Additionally, you can rest easy knowing your money is federally insured up to $250,000.6
Get started today! Contact us at 888.369.2207, visit a branch or APPLY NOW!
1A $8.00 maintenance fee applies when monthly requirements are not met.
2Depends on if your household contribution to the credit union equals at least $ 500 per month ending balance or if your relationship level is status one account or rewards account in order to avoid assessing a relationship fee. For more information please click here. 2 Free automatic loan payments from a Essential FCU Account only. 3There may be fees associated with foreign ATMs. 4Essential 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. 5There is a $5.00 fee for transferring money from savings to the overdrawn account using the overdraft protection option. 6$250,000 in total account balances