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  Eastman Credit Union Beyond Free Checking

Eastman Credit Union Beyond Free Checking

in Checking Accounts from Eastman Credit Union

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Eastman Credit Union Beyond Free Checking

Unaffiliated

in Checking Accounts from Eastman Credit Union

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.05% - 0.3%

Eastman Credit Union Beyond Free Checking Review

Eastman Credit Union Beyond Free Checking is offered by Eastman Credit Union, a credit union founded in 1934 and based in Kingsport, TN. Eastman Credit Union Beyond Free Checking is available in 3 states across the USA.

Key Takeaways
  • Higher than average APY. Eastman Credit Union Beyond Free Checking has an annual percentage yield of up to 0.3%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Eastman Credit Union Beyond Free Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Eastman Credit Union.
Eastman Credit Union checking account Pros & Cons
Pros Cons
  • Free domestic wire transfers.
  • No ECU surcharge at foreign ATMs
  • Earns dividends.
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • Low APY
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 3 states.
Eastman Credit Union checking account FAQ

Are checking accounts from Eastman Credit Union federally insured?

No, your Eastman Credit Union checking accounts are not insured by a federal insurance agency. This means that if Eastman Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Eastman Credit Union checking account offer?

Eastman Credit Union checking account offers an APY starting at 0.05% and ranging up to 0.3% (APY stands for annual percentage yield, rates may change).

Eastman Credit Union checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.3%

What are the account minimums for Eastman Credit Union checking account?

Eastman Credit Union checking account does not require a minimum initial deposit.

Eastman Credit Union Beyond Free Checking Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Eastman Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

Eastman Credit Union Beyond Free Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $3
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $55
ATM Fee: Out-of-Network $0

Does Eastman Credit Union checking account charge overdraft fees?

Yes, Eastman Credit Union checking account charges a $30 fee for every overdraft.

Eastman Credit Union checking account offers overdraft protection at a cost of $30 per transaction.

What features and perks does Eastman Credit Union checking account offer?

This account includes the following features:

  • Fraud monitoring - Eastman Credit Union 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 - Eastman Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks 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 Eastman Credit Union checking account?

The customer support email for Eastman Credit Union checking account is compliance@ecu.org.

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Message From Eastman Credit Union Beyond Free Checking

All the benefits you expect, absolutely free! The ECU Beyond Free Checking account is a truly free checking account that meets your financial needs with no hassles, no hidden fees, and no gimmicks. Enjoy no monthly service fee, no minimum balance requirements, no fee for debit card and free use of over 80 ECU ATMs.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:30am - 5:30pm
  • Tuesday 7:30am - 5:30pm
  • Wednesday 7:30am - 5:30pm
  • Thursday 7:30am - 5:30pm
  • Friday 7:30am - 5:30pm
  • Saturday Closed

Other Services by Eastman Credit Union

Availability

  Available in 3 states
  • Tennessee
  • Texas
  • Virginia

Feature Breakdown

ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $3
Debit Card Replacement Fee $5
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - International (Outgoing) $55
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.05% - 0.3%

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