Last Updated: 04/18/2025
E-Central Credit Union Premium Value Business Checking Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Monthly Service Fee
$15(Verified 03/19/2025)
ATM Fee: Out-of-Network (within the U.S.)
N/A
Minimum Average Balance to Avoid Monthly Service Fee
$500
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
E-Central Credit Union Premium Value Business Checking Account Review
E-Central Credit Union Premium Value Business Checking Account is offered by E-Central Credit Union, a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union Premium Value Business Checking Account is available in 1 state.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- Waivable monthly maintenance fee. For Premium Value Business Checking: the monthly fee is $15 Fee will be imposed if a $500 minimum balance is not maintained.
- $500.00 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in E-Central Credit Union mobile or online banking.
E-Central Credit Union Premium Value Business Checking Account Pros & Cons
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E-Central Credit Union Premium Value Business Checking Account FAQ
Are business checking accounts from E-Central Credit Union federally insured?
Yes, your business checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does E-Central Credit Union Premium Value Business Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
E-Central Credit Union Premium Value Business Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $500.00.
What are the account minimums for E-Central Credit Union Premium Value Business Checking Account?
E-Central Credit Union Premium Value Business Checking Account requires a minimum initial deposit of $500.00 to open an account.
| Description | Amount |
| Minimum Initial Deposit | $500.00 |
| APY Minimum Balance | $500.00 |
| Minimum Balance to Avoid Monthly Fee | $500.00 |
What fees does E-Central Credit Union Premium Value Business Checking Account charge?
This account charges a monthly maintenance fee of $15.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $4.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does E-Central Credit Union Premium Value Business Checking Account offer?
This account includes the following features:
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - E-Central Credit Union Premium Value Business Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed