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Last Updated: 01/21/2026

E-Central Credit Union Everything Premium Checking Account

from E-Central Credit Union

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%(Verified 06/21/2024)

Monthly Service Fee

$9.95(Verified 01/21/2026)

E-Central Credit Union Everything Premium Checking Account Review

The E-Central Credit Union Everything Premium Checking Account is offered by E-Central Credit Union, a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union Everything Premium Checking Account is available in 50 states and Washington, DC.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
Charges a monthly fee. This account charges a monthly fee of $9.95.
$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 Everything Premium Checking Account Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Dividend-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.

No signup bonus.
Monthly service charge .

E-Central Credit Union Everything Premium Checking Account FAQ

Are checking accounts from E-Central Credit Union federally insured?

Yes, your 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 Everything Premium Checking Account offer?

E-Central Credit Union Everything Premium Checking Account Rates & Terms

Description

APY (Annual Percentage Yield)

0.05%

E-Central Credit Union Everything Premium Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $500.00.

What are the account minimums for E-Central Credit Union Everything Premium Checking Account?

E-Central Credit Union Everything Premium Checking Account requires a minimum initial deposit of $500.00.

E-Central Credit Union Everything Premium Checking Account Minimums

Description

Minimum Balance to Earn APY

$500.00

Minimum Opening Deposit

$500.00

What fees does E-Central Credit Union Everything Premium Checking Account charge?

This account charges a monthly maintenance fee each statement cycle of $9.95.

E-Central Credit Union Everything Premium Checking Account Fees

Description

Monthly Service Fee

$9.95

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 Everything Premium Checking Account offer?

This account includes the following features:

Fraud monitoring - E-Central Credit Union Everything Premium Checking Account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - E-Central Credit Union Everything Premium Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for E-Central Credit Union Everything Premium Checking Account?

The customer support email for E-Central Credit Union Everything Premium Checking Account is info@ecentralcu.org.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

990 S Fair Oaks Ave

Pasadena, CA 91105

(626) 799-6000

Visit Site

Email Support

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

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$3.95

Disclaimer popup with additional information

Visit Site

E-Central Credit Union Everything Checking Account

Rating not yet determined

Be the first to rate

Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$5.95

Disclaimer popup with additional information

Visit Site

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.