Last Updated: 01/21/2026
Shell Federal CU eChecking 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% - 2.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
Starting at $0(Verified 01/21/2026)
Shell Federal CU eChecking Account Review
The Shell Federal CU eChecking Account is offered by Shell Federal Credit Union, a credit union founded in 1937 and based in Deer Park, TX. Shell Federal CU eChecking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 2.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 2.00%, which is much higher than the average for the checking accounts that we track (see terms and conditions for more details). However, you must keep a minimum balance of $20000.
- Small minimum initial deposit. You only need $1 to open an account.
- No ATM fees. Shell Federal CU eChecking Account does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Shell Federal Credit Union mobile or online banking.
Shell Federal CU eChecking Account Pros & Cons
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Shell Federal CU eChecking Account FAQ
Are checking accounts from Shell 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 Shell Federal CU eChecking Account offer?
Shell Federal CU eChecking Account offers an APY starting at 0.05% and ranging up to 2.00% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $20000.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 2.00% |
What are the account minimums for Shell Federal CU eChecking Account?
Shell Federal CU eChecking Account requires a minimum initial deposit of $1.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Shell Federal CU eChecking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Shell Federal CU eChecking Account offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Shell Federal CU eChecking Account allows you to manage your money online or with a mobile app.
What is the customer support email for Shell Federal CU eChecking Account?
The customer support email for Shell Federal CU eChecking Account is Contactus@shellfcu.org.
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Hours of Operation
Sunday
Closed
Monday
7:30AM - 6:00PM
Tuesday
7:30AM - 6:00PM
Wednesday
7:30AM - 6:00PM
Thursday
7:30AM - 7:00PM
Friday
7:30AM - 7:00PM
Saturday
8:00AM - 12:30PM