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Ready to take control of your finances and experience banking that puts you first? Look no further than Energy Credit Union and our feature-packed checking accounts designed with your needs in mind. We provide low cost checking and all the extra features you need to make managing your checking account convenient, easy and worry-free.

N.O.W. Checking

At Energy CU, we believe in empowering our members with a checking account that goes beyond banking. Join our community and experience a new era of personalized financial services tailored to meet your needs. Our checking account offers convenience and low costs that can’t be beat.

  • Earn interest for every day you maintain a $10 balance.
  • No monthly fees.
  • Unlimited check writing.
  • Receive your first order of checks free (basic design only).
  • Overdraft protection for a $5 annual fee, plus $2 per transaction.
  • Pay no ATM fees when you use ATMs in the SUM network or the MoneyPass network.
  • Make deposits at selected ATMs on the NYCE network.
  • Simply add N.O.W. Checking if you are already a member of Energy Credit Union with a Share (Savings) Account. Log into Energy@Home and click on Open an Account.

N.O.W. Checking

Effective: January 5, 2024

N.O.W. Checking
Dividend/Interest RateAPY 1
  • (1) Annual Percentage Yield.
  • Minimum balance of $10 is required to earn the advertised APY for NOW, Vacation, and Holiday Accounts.
  • As in the case of all credit union accounts, the amount on deposit is fully insured up to the legal limitations. The first $250,000 is insured by the National Credit Union Share Insurance Fund (NCUSIF). In addition, IRA deposits are insured separately under NCUSIF up to $250,000. NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government. In addition to being federally insured, any amount on deposit exceeding $250,000 is insured in full up to the legal limitations by the Massachusetts Share Insurance Corporation (MSIC).
  • Please see our Truth in Savings disclosure statement for more information about deposit accounts.

To find an ATM where you can make deposits, use the ATM locator on the NYCE Web site. Search by city and state and be sure to check the box indicating that you want an ATM that is part of the NYCE Shared Deposit Program.

ATM/Debit MasterCard

Unlock the power of seamless transactions with our state-of-the-art ATM/Debit MasterCard! Experience unparalleled convenience and security with a card that connects directly to your credit union account, making every purchase a breeze. Whether you're shopping online, dining out, or traveling abroad, our Debit MasterCard is your passport to a world of effortless spending. It’s safer than carrying cash and more convenient than writing checks.

Stay in control of your spending with our real-time account balance updates and detailed transaction records. Energy CU's Debit MasterCard ensures you only spend what you have, promoting responsible financial management without compromising on convenience. Get cash and check your balance at ATMs, or simply use EnergyDEBIT app for your mobile phone.

Make purchases anywhere you see the MasterCard, NYCE, and CIRRUS symbols. Funds are deducted from your checking account and recorded on your monthly statement.

CU Rewards

If you already have an Energy CU Debit Card, you have been earning rewards Points!

Do you know how many CU Rewards Points you have?

If you already have an Energy CU Debit Card, you have been earning CU Rewards Points!

Curious to see how many you’ve earned?

Click the button below to check your CU Rewards Points balance and redeem them by registering.

EMV Chip Cards

EMV chip technology adds layers of security against fraud and is virtually impossible to duplicate, making an already safe payment system even more secure.

Peace of Mind

Your MasterCard features the additional security of an embedded microchip (also called an EMV Card or Chip). Your chip card comes with proven technology that is already in use around the world. This makes traveling internationally now even easier. Show with confidence – at home and abroad – knowing that the chip in your card can help protect you from fraud.

Chip Cards Are Easy To Use

Your MasterCard has chip and magnetic stripe technology. That means that regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere MasterCard is accepted.

  • At retailers with chip-enabled terminals - Insert your card and follow the prompts on the terminal.
  • At retailers without chip terminals - Swipe your card and proceed as you normally would.
  • Over the phone or online - Provide your card information the way you always have when you’re ready to make a purchase.

Pin vs. Signature

Depending on the merchant, you will either be prompted to sign for the transaction or to enter your PIN. How do I use my chip card at a chip-enabled terminal?

Step 1 - Insert your card “chip first” into the chip-enabled terminal. With chip transactions, your card remains in the terminal throughout your transaction.

Step 2 - Follow the prompts on the terminal and wait for the transaction to be processed. You may be required to enter your PIN to complete the transaction.

Step 3 - Remove the chip card after the transaction is approved and you are prompted to do so.

Step 4 - Take your receipt.

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