Last Updated: 01/21/2026
Enrichment FCU eSpend Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.15%(Verified 06/21/2024)
Monthly Service Fee
$4.99(Verified 01/21/2026)
Enrichment FCU eSpend Checking Account Review
The Enrichment FCU eSpend Checking Account is offered by Enrichment Federal Credit Union, a credit union founded in 1950 and based in Oak Ridge, TN. Enrichment FCU eSpend Checking Account is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. Enrichment FCU eSpend Checking Account has an annual percentage yield of up to 0.15% (depending on balance), which is higher than the national average interest rate on savings accounts.
- No monthly maintenance fee. Anyone age 65 and older will automatically receive the account for free. Monthly fee will be waived if 2 out of the 4 qualifications are met for the month: * $15,000.00 in combined loan and/or deposit balances * 15 debit or credit card purchases * $500 in combined direct deposit or remote deposits * Enrolled in eStatements
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Enrichment FCU eSpend Checking Account does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Enrichment Federal Credit Union mobile or online banking.
Enrichment FCU eSpend Checking Account Pros & Cons
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Enrichment FCU eSpend Checking Account FAQ
Are checking accounts from Enrichment Federal 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 Enrichment FCU eSpend Checking Account offer?
Enrichment FCU eSpend Checking Account offers an APY starting at 0.05% and ranging up to 0.15% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.15% |
What are the account minimums for Enrichment FCU eSpend Checking Account?
Enrichment FCU eSpend Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $15,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Enrichment FCU eSpend Checking Account charge?
Anyone age 65 and older will automatically receive the account for free. Monthly fee will be waived if 2 out of the 4 qualifications are met for the month: * $15,000.00 in combined loan and/or deposit balances * 15 debit or credit card purchases * $500 in combined direct deposit or remote deposits * Enrolled in eStatements| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $4.99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Anyone age 65 and older will automatically receive the account for free. Monthly fee will be waived if 2 out of the 4 qualifications are met for the month: * $15,000.00 in combined loan and/or deposit balances * 15 debit or credit card purchases * $500 in combined direct deposit or remote deposits * Enrolled in eStatements | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Enrichment FCU eSpend Checking Account charge overdraft fees?
Yes, Enrichment FCU eSpend Checking Account charges a $30.00 fee for every overdraft.What features and perks does Enrichment FCU eSpend Checking Account offer?
This account includes the following features:
- Fraud monitoring - Enrichment FCU eSpend 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 - Enrichment FCU eSpend 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 Enrichment FCU eSpend Checking Account?
The customer support email for Enrichment FCU eSpend Checking Account is marketing_department@enrichmentfcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Enrichment Federal Credit Union
Other Checking Accounts from Enrichment Federal Credit Union
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$0
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