Checking Accounts

Show your pride, grow your balance, or keep it simple. EMUCU's checking options are designed to match your lifestyle, with no monthly fees and exclusive debit card designs you won't find anywhere else.

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Our Checking Account Options

Eagle Checking

Streamline Your Finances with Eagle Checking

This checking account is ideal for people who want a convenient, no-frills approach to finance. And it's the ONLY place you'll find exclusively branded EMU debit cards featuring the iconic Block E^® design!

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Gain Access to Exclusive Benefits & Events
No Monthly Fee or Minimum Deposit
Exclusive Block E^® Debit Card

Detroit Lions Checking

No Fees, No Minimums, All Detroit Pride

Detroit Lions Checking — found exclusively at EMUCU and UMCU — has no minimum balance and no monthly maintenance fees! With your Detroit Lions Checking, you can choose between four Lions debit card designs ONLY available at EMUCU and UMCU.

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Gain Access to Exclusive Benefits & Events
No Monthly Fee or Minimum Deposit
Four Exclusive Lions Debit Card Designs

Interest Checking

Turn Your Checking Account Into a Smart Investment

It's a full-service checking account with an extra advantage. With this account, you'll make the most out of every dollar by earning interest on your deposits!

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Earn More as You Save More
No Monthly Fee
Nationwide Fee-Free ATM Access

Debit Cards

Manage Your Money Anywhere with EMUCU's Fee-Free Debit Cards

Exclusive branded debit cards from EMUCU allow you to access your funds quickly wherever you go. They are an easy way to access cash from over 30,000 ATMs or make purchases without a finance charge.

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Gain Access to Exclusive Benefits & Events
No Monthly Fee
Nationwide Fee-Free ATM Access
Overdraft Protection Available***

Not sure what to choose? Let us help.

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Eagle Checking

Gain Access to Exclusive Benefits & Events
No Monthly Fee or Minimum Deposit
Nationwide Fee-Free ATM Access
Overdraft Protection Option

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Detroit Lions Checking

Gain Access to Exclusive Benefits & Events
No Monthly Fee or Minimum Deposit
Nationwide Fee-Free ATM Access
Overdraft Protection Option

Learn More

Interest Checking

Tiered Earned Interest on Deposited Funds
No Monthly Fee
Overdraft Protection Option
Nationwide Fee-Free ATM Access
$500 Minimum Balance Required to Earn Interest

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Debit Cards

Gain Access to Exclusive Benefits & Events
No Monthly Fee or Minimum Deposit
Nationwide Fee-Free ATM access
Overdraft Protection Option

Learn More

Related Resources

Calculators

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming EMUCU events.

Downloads

Find downloadable forms and account resources.

FAQs

It depends on your financial goals! The Platinum Optimum* is great for establishing or rebuilding a credit score while the Platinum Cash Rewards** gives you 1.10% back on EVERY purchase. Both of EMUCU's Visa^® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!

Download a Mobile Wallet app on your smartphone.
Add your EMUCU credit card to the app.
Use your mobile device to pay by tapping or swiping it against the store's payment terminal.

Funds will be automatically deducted from your card as you make purchases using the digital wallet.