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Checking Accounts

Checking accounts for everyday needs

Classic Checking

Perfect for members seeking a simple and everyday checking account with no monthly fee added on. Classic Checking Accounts are East Idaho Credit Union’s free checking account solution.

  • Instant Issue Visa® Debit Card

  • Access to 30,000 Surcharge Free ATMs (FREE ATM Locator)

  • Purchase Rewards
    Enjoy cashback and other rewards

  • CURewards®
    Earn 1 point for every $2 spent with your EICU Debit Card

  • Access to All of Our Online Services
    Includes eBranch, Mobile App, eStatements, Bill Pay, Remote Check Deposit, and more

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Velocity Checking

The Velocity Checking account is an interest-earning checking account with returns up to 2.02% APY*.

  • Your first $10,000 earns 2.02% APY when you meet the basic criteria:

  • Enroll in Online banking & eStatements

  • $2,000+ ACH deposits per month

  • 11+ posted* Debit/Credit card transactions per month

  • Additionally, everything over $10,000 earns:

  • 0.50% APY when you have a qualifying loan or Certificate*

  • 0.20% APY when you do not have a qualifying loan or Certificate*

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Velocity Checking Rates*

With qualifying loan or Certificate

Average Daily Balance Tiers APY*
First $10,000 ($0.00-$10,000.00) 2.02%
Everything over $10,000 0.50%

Rates effective as of 10/1/2022

Without qualifying loan or Certificate

Average Daily Balance Tiers APY*
First $10,000 ($0.00-$10,000.00) 2.02%
Everything over $10,000 0.20%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:

Tiered Balance APY* Annual Interest
$10,000 @ 2.02% = $202
$65,000 @ 0.50% = $325
Total Earned
$527

*Earn 2.02% APY¹ on your average⁴ balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000 per month, and have at least 11 posted² debit and/or credit card transactions per month. Additionally, earn 0.50% APY¹ on average balances greater than $10,000 when you have a qualifying loan or Certificate³ or 0.20% APY¹ on balances greater than $10,000 when you do not have a qualifying loan or Certificate³. If you don’t meet the qualification requirements, you will earn 0.05% APY¹ on your average⁴ balance.

¹APY – Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet East Idaho Credit Union membership and account opening requirements.
²Posted – Transactions that have cleared by the end of the account statement cycle.
³Qualifying loan or Certificate – The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.
⁴Interest earned based on average daily balance.

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Experience Checking

with Benefits Plus®

Experience travel and entertainment benefits, restaurant and retail discounts, cellular care coverage, health and wellness discounts, cash back, and the very best in Identity Theft protection, including 3 bureau daily credit monitoring*, with our new Experience Checking account with Benefits Plus®.

Maintain all of the great benefits of our Classic Checking Account but experience so much more with Benefits Plus®

  • $6 Monthly Fee
    No minimum deposit

  • TicketXpress
    Big discounts on entertainment

  • Cellular Care Coverage
    Up to $600 lifetime coverage**

  • Ultimate ID®
    3 Bureau Daily Credit Monitoring*

  • Health & Wellness Benefits
    Pharmacy, hearing, vision, dental

  • Travel & Dining Discounts
    Full-service travel with guaranteed savings and cash back

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*Credit Monitoring and the ULTIMATE ID® program begins when you successfully validate your identity. To complete the activation process an active email address is required. To report an identity theft incident or for assistance obtaining your activation code, please call 877.279.6338 and speak with a dedicated ULTIMATE ID® recovery advocate. Certain restrictions and limitations apply. Visit Benefits-Plus.org for complete terms and conditions and program eligibility. No one can prevent all identity theft. The Benefits Plus® Membership Fee of $6 applies whether or not you activate ULTIMATE ID® and whether or not you qualify for all its services. **Reimbursements are subject to coverage limits and other restrictions apply. East Idaho Credit Union has selected Generations Gold, Inc. a fully independent third-party benefits provider, to provide travel and other discounted services on an exclusive basis directly to Benefits Plus® Program. East Idaho Credit Union assumes no liability for any of the third-party providers in fulfilling their services.  All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent services or benefits providers. Discounts received through Benefits Plus® Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. Please refer to the actual policies for terms, conditions, and exclusions of coverage. View complete terms, conditions, exclusions and complete program details by visiting Benefits-Plus.org or calling 866.329.7587. © 2020, Generations Gold, Inc. All rights reserved.

Golden Access Checking (59+)

The Golden Access Checking Account is for members age 59+. Enjoy all the benefits of our other Checking Accounts with no monthly service fee and a free box of checks. You’ve been around the block, isn’t it time you should be rewarded for it?

Maintain all of the great benefits of our Classic Checking Account but with a few extras

  • No Minimum or Monthly Fees

  • Free Cashier’s Checks, Money Orders and Checks
    1 free box of checks per year

  • Instant Issue Visa® Debit Card

  • Access to 30,000 Surcharge Free ATMs (FREE ATM Locator)

  • Purchase Rewards
    Enjoy cashback and other rewards

  • CURewards®
    Earn 1 point for every $2 spent with your EICU Debit Card

  • Access to All of Our Online Services
    Includes eBranch, Mobile App, eStatements, Bill Pay, Remote Check Deposit, and more

Apply Online
Visit Your Branch
Have a question?
We're here to help!