Let your money earn more. With a qualifying Elite Checking account, you can make generous interest on your money every month. It's the benefits of a savings account, with the convenience of checking.
Features & Benefits
Earn Interest On Your First $15,000*
Keep your balance growing. Earn higher interest on your money with ease.
Local, Personal Service
Bank with people who know you best — your neighbors. Have a question? We’re right down the road.
Instant-Issue Debit Cards
No waiting or snail mail necessary. Each card is created in-branch for easy convenience.
Your money is safe here. Your funds are insured to at least $250,000 by the NCUA.
Get the funds you need to do something great. Enjoy exclusive loan offers, discounts, and more.
Commitment to Community
When our communities succeed, we all do. That’s why we put our money where our heart is: in the place we call home.
Elite Checking Rates
Monthly Requirements for Elite Checking
Meet all the following requirements and we'll waive the $10 monthly fee:
- Direct Deposit into an Elite Checking Account
- eStatements on your Elite account
- 20 debit card or point of sale posted transactions required each calendar month to your Elite Checking Account*
- A minimum average daily balance of $5,000
Annual Percentage Yield (APY) is accurate as of date listed above and is subject to change without notice.
Elite Checking -
Annual Percentage Yield (APY) is accurate as of date listed above may change after the account is opened. Interest paid on balances up to $15,000. Based on the current tier set up if balance above $15,000, interest would not be paid. Minimum balance requirements: You must maintain a minimum average daily balance of $5,000.00 in your account to avoid a checking account fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a checking account fee of $10.00 for that month. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the month. You must maintain a minimum daily balance of $5,000.00 in your account each day to not be charged this monthly fee. The dividend rate and annual percentage yield for your account depend upon the applicable rate tier. The dividend rates, Annual Percentage Yield (APY), and tiers for your account may change at any time. Elite Checking fee can be waived when all the requirements in the account are met. Fee is subject to change without notice after the account is opened.
For non-NECU transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of transaction. More than 30,000 surcharge-free ATMs in the U.S. and Canada are available through a network of CO-OP ATMs. Find a CO-OP ATM location here.
See our schedule of fees for details on fees and charges associated with Checking Accounts