Share Draft Checking

A checking account that not only costs you less, but also saves you more, can be found at ECCU. Stop spending money on fees and services charges. At ECCU, we feel a no-cost checking account is your right, not a privilege. You’ll enjoy no monthly fees or minimum balance requirements.

ATM Card

An ECCU ATM Card can provide unbeatable convenience and service. You can access your credit union accounts at more than 28,000 surcharge-free ATMs bearing the CO-OP Network logo. Make deposits, withdrawals, balance inquiries and much more, all at your convenience.

Visa® Debit Card

Using your ECCU Debit Card is easy. Use it anywhere that Visa is accepted. The money will come directly out of your checking account.

To report a lost or stolen ATM Card, please call (417) 831-0534

Overdraft Protection Options

Never worry about the embarrassment of bouncing a check or overdrawing funds again. Enjoy overdraft protection with your ECCU checking account. If there are not enough funds in your checking account, we will pull funds automatically from your savings to cover the amount of the purchase.

*Free up to 6 times per month.

ECCU checking accounts can be set up for optional overdraft protection. We provide overdraft protection through a pre-established credit line for qualified members. If you write a check exceeding your checking balance, that amount will automatically be transferred from your line-of-credit, setting up an instant loan (up to your approved limit). OOPS protects you from costly overdraft and returned check fees.

Automatically designate a portion of your paycheck to pay off bills or loans through the ease of payroll deduction. Plus, you never have to stand in line to deposit your paycheck if you take advantage of direct deposit. Direct deposit does it automatically and your funds are available in your account on payday!

Direct Deposit Form

Take care of your credit union transactions without visiting the credit union! This 24/7 online account access service is safe, convenient and - best of all – free!

Safe deposit boxes are available for members who want to protect valuables or important papers. If you are age 55 or older, you can receive a $5 discount on any size box. Annual rates vary according to box size, and contents are insured up to $1,000,000.


Annual Rent

3x5 $25

5x5 $34

3x10 $39

5x10 $70

10x10 $95

Notary/Signature Guarantee Options

We offer notary services at all branch locations. This service is free, but you must appear in person to have your document notarized. A notary public is a public officer with certification; notaries attest and authenticate, under an official seal, the signature of an individual. Notaries are not responsible for certifying the validity of any document.

We offer signature guarantee services at our Springfield and Ozark branches. This service is free, but you must schedule a time and bring identification. Signature guarantees are sometimes required for the transfer of securities.