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Earn More Each Month with Your Free ETFCU Checking Account

Are you ready for an upgrade from your normal free checking account? Earn a high-dividend1up to 3.00% APY—with Vertical Dividend Checking! Or, if you prefer rewards, earn 500 bonus ScoreCard reward points2—a $5 value—each month with Platinum Rewards Checking. Both are free, there's no minimum balance, and it's easy to qualify.

NEW! You can now receive reimbursement of up to $15 in non-ETFCU ATM fees with our free Vertical Dividend and Platinum Rewards Checking accounts!

All account requirements must be met in order to qualify. ATM fee reimbursement limited to $15 per account per month.


Monthly requirements:

5, 10, or 15 debit card purchases

1+ direct deposit into the account

1+ online or mobile banking login

Receive electronic statements

It's now even easier to earn a high dividend! Vertical Dividend Checking usage requirements have been reduced as follows: 5-9 debit card uses earn 1.00% APY; 10-14 uses earn 2.00% APY; 15+ uses earn 3.00% APY!

Platinum Rewards Checking requires at least 10 debit uses.

Which checking account will you choose? Open or upgrade your account today!


Minimum to Open

# of Debit Transactions



Minimum Balance
to Earn Dividend

Vertical Dividend Checking* $50 15+ 2.96% 3.00% N/A
    10-14 1.98% 2.00% N/A
    5-9 1.00% 1.00% N/A
Platinum Rewards Checking** $50 N/A 0.05% 0.05% $500
Business Dividend Checking $100 N/A 0.05% 0.05% $1,000
Classic Checking $50 N/A 0.05% 0.05% $500
Debit Rewards Checking $50 N/A 0.05% 0.05% $500
Health Savings Checking N/A N/A 0.05% 0.05% $500
  • What are the requirements?
  • Vertical Dividend Checking requires a debit card, one or more online or mobile banking login, electronic statements, and a direct deposit into the account. Dividends for qualifying accounts will be based on debit card usage as follows: accounts with 30 or more posted debit card transactions will earn 3.00% APY, 20-29 will earn 2.00% APY, and 10-19 will earn 1.00% APY. Dividends are earned on balances up to $15,000. Any additional funds will not earn dividends. Accounts that fail to meet any of the criteria, including less than 10 posted debit card transactions, will not earn dividends for that month.

    Platinum Rewards Checking requires a debit card with 10 or more posted debit card transactions, one or more online or mobile banking login, electronic statements, and a direct deposit into the account. Accounts that fail to meet any of the criteria will not earn the 500 bonus ScoreCard reward points for that month.
  • I currently have Debit Rewards Checking and want to enroll in Platinum Rewards Checking. What do I need to do?
  • If you were enrolled to receive 500 bonus points each month prior to 2015, your account was automatically upgraded to Platinum Debit Rewards Checking.

    If you were not already enrolled to receive 500 bonus points each month, it is easy to upgrade. Simply complete the online upgrade request form (see above on this page) or in any of our office
  • No minimum balance requirement.
  • Access 24 hours a day from a touchtone phone or personal computer.
  • Dividends paid any day $500 or more is on deposit in the checking account.
  • A debit card to pay for purchases in place of writing a check or for use at an ATM.
  • You can earn rewards in our ScoreCard program when you use your debit card.
  • Overdraft protection from savings or an overdraft protection loan.
  • Carbonless copies of each check written.
  • Preauthorized withdrawals for recurring payments.
  • Up to ten ATM withdrawals allowed per month at no charge.
  • No surcharges or fees imposed by ETFCU for the use of foreign ATMs
    (surcharges may be assessed by owners of foreign ATMs).
  • Deposits by payroll deduction, direct deposit, night depository, and many ATM locations.
  • Free online banking and electronic bill paying services.
  • Funds federally insured to $250,000 by the NCUA.
  • Free checks to senior members in the Silver Dollar Club.
  • One box of free checks to members under age 23.
  • Overdraft privilege service for qualified accounts.
  • Free online copies of your cleared checks.

ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial.

ETFCU Members Enjoy a Large Network of Surcharge-Free ATMs
  • ETFCU doesn't charge our members for using ATMs owned by other institutions, but those institutions often do.
  • Fortunately, ETFCU belongs to the Alliance One ATM network—a national network that offers surcharge-free access to nearly 5,000 locations owned by 1,000 financial institutions.

Alianace OneTo find the nearest surcharge-free ATMs in any zip code, visit www.atmallianceone.org. Local institutions that participate in the network are listed below. Members of ETFCU should look for the blue and white Alliance One logo on the ATM or consult the Alliance One website as this information is subject to change.

ETFCU Check Card or ATM Card holders can use surcharge-free ATMs currently found at the following local financial institutions:
Southwestern Indiana
Centurion FCU
Crane FCU
CSB State Bank
Diamond Valley FCU
Evansville FCU
Evansville Teachers FCU
Freedom Bank
Heritage FCU
Peoples Trust & Savings Bank
Sterling United FCU
United Fidelity Bank
Western FCU
Western Kentucky
Daviess Co. Teachers FCU
Evansville Teachers FCU
Kentucky FCU
Kentucky Telco FCU
Ohio Valley Bank
Owensboro FCU
University of Kentucky FCU

Switching your existing account to a new checking account at ETFCU is easy. After you open your new account, follow these simple steps:

1. Review your existing account information. 

  • Find your existing checkbook register and most recent statement.
  • Use the Payment/Deposit Checklist to gather all your current payment and deposit information.

2. Transfer your account.

3. Close your existing account.

ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial.

Bank on Evansville, Bank on Knox County, Bank on Owensboro, and Bank on Henderson are new programs established by local communities in conjunction with the Federal Reserve, area community organizations, and financial organizations to provide affordable financial services for residents who have not had an account before or whose past checking history made it impossible for them to open a checking account.

Research has shown those who cash checks and pay bills using check cashing and money order services will save an average $800 per year with an account at a financial institution. In addition to reduced costs, the programs provide financial education and ensure account holders access to their money following an emergency such as a tornado, earthquake, or fire.

Bank on Evansville is based on a model that is spreading across the county and is the first program of its kind in Indiana. ETFCU is one of fifteen financial institutions participating in Bank on Evansville. For more information, visit www.BankOnEvansville.org or contact ETFCU.

Check Reconciliation Form

To help you balance your checkbook, click here to open a check reconciliation form along with error resolution notification information.

ETFCU now offers checks exclusively through Deluxe®. As a result of the conversion, members will need to place their first reorder as of December 10, 2007, or after with an ETFCU representative. Subsequent reorders may be placed directly by contacting the Deluxe Call Center at 1-877-838-5287 Monday through Friday from 7 a.m. until 10 p.m. CST or Saturday between 8 a.m. and 5 p.m. CST. You may also reorder online 24/7 by clicking on the link below, or you may continue to place reorders through the credit union.

Check reordering has become faster and easier! Simply place your order online by clicking on the link on the right, and your checks will be delivered in a few days. What could be easier?
Deluxe Personal Check Reordering
To order checks for your business account, click on the link on the right or contact Deluxe toll-free at 1-800-252-3414
Deluxe Business Checks
Don't have an account at ETFCU? Click here to apply.

Please note you must have the capability to print and send forms to ETFCU; be at least 18 years of age; and have a valid SSN or TIN.

Visit our savings rates section.
Visit our fee schedule.

1Annual percentage yield. Debit card usage, online and mobile banking logins, and eStatement enrollment calculated by post date. Rate subject to change. Dividends not paid on balances over $15,000. Some requirements apply. No dividend paid if all services are not used or if fewer than 5 debit transactions post. ScoreCard points are not rewarded on payments from Vertical Dividend Checking. Debit uses calculated by the post date.

2Bonus points will be awarded before the end of the following month and can be tracked online at www.scorecardrewards.com. Members have the option to combine points earned on ETFCU-issued credit cards with points earned on debit cards and other household accounts. If an enrolled account fails to meet any of the requirements, points will not be earned that month, and the account will remain enrolled in the program. Participation in the Extra Credit mortgage discount offer does not qualify as enrollment. Debit usage, online and mobile banking logins, and eStatement enrollment calculated by post date.

Online Banking Login

For assistance, call (812) 477-9271
or 1-800-800-9271, Option 2.
Open an ETFCU account