Share Draft Checking

A checking account that not only costs you less, but earns 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, service charges or minimum balance requirements. Click Here to Apply Online

Optional Overdraft Protection Service (OOPS)

Educational Community Credit Union checking accounts can be set up for the overdraft protection. ECCU provides 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. Click here to apply online.

Personal Automated Telephone Teller

We know that making it in the credit union during normal business hours isn’t always easy. That’s why we offer PATT, your Personal Automated Telephone Teller. Access to your accounts is now just a phone call away. By using PATT, you can manage your finances without ever leaving your home or office. All you need is a touch-tone phone, your account number and your PIN. Click Here to Apply Online

PATT Can Make:

Share balance inquires
Loan balance inquires
Share draft inquires
Withdrawals
Transfers
Loan Payments
Tax information inquires
Deposit inquiries
LOC cash advances
Checks mailed to you

How do I us PATT?

Primary Account Instructions

Dial 831-2358 or 800-864-5334.
Enter your account number, then your PIN number. (If you do not have a PIN number please contact the credit union office.)
Choose a Primary Account Code from the following menu below to initiate your transaction.

Non-Primary Account Instructions

Dial 831-2358 or 800-864-5334.
Enter your account number, then your PIN number. (If you do not have a PIN number please contact the credit union office.)
Choose a Non-Primary Account Code from the menu below to initiate your transaction. (If you are not signed up to access non-primary accounts, please contact the credit union office.)
Enter the Non-Primary Account Number followed by the # sign to initiate the transaction.

Important Facts You Need To Know:

Press the # sign after each entry.
When entering dollar amounts, you must enter both dollar and cents.
To re-enter information, press ## at any time.
To end the conversation, press 99#.

Call 831-2358 or 800-864-5334 and use the following transaction and suffix codes to access your account.

TRANSACTION & SUFFIX CODES

Transaction Codes

72# Share Balance
52# Loan Balance
73# Cleared Checks
79# Share Withdrawal
78# Transfer Funds
57# Loan Payment/Payoff
84# Tax Information
53# Last 5 Deposits
59# Last 5 Withdrawals
56# Loan Modeling

Non-Primary Account Codes

672# Account Balances
652# Loan Balances
673# Cleared Checks
678# Transfer from your acct to another acct
684# Tax Information
653# Last 5 Deposits
659# Last 5 Withdrawals

Special Request

101# Mail me a loan application
102# Mail me a Visa application
103# Mail me a ATM application
104# Mail me last month's statement
105# Mail me an IRA withdrawal form

Suffix Codes

A = 21# Primary Savings
X = 92# Checking
C = 23# Christmas
I = 43# IRA
B = 22#
D = 31#
E = 32#
F = 33#
G = 41#
H = 42#
J = 51#
K = 52#
L = 53#
M = 61#
N = 62#
O = 63#
P = 71#
Q = 77#
R = 72#
S = 73#
T = 81#
U = 82#
V = 83#
W = 91#
Y = 93#
Z = 99#