Checking

Effective Date: Friday, March 28, 2025

New Personal Checking Comparison Chart 2 (Rate Table)
Categories	Freedom Flex Checking	Freedom BOOST Checking	Freedom NOW Checking	Freedom 55 Checking
	Open in Minutes	Open in Minutes	Open in Minutes	Open in Minutes
Account Summary	A flexible checking account that allows you to use it as you see fit!	*A checking account that can BOOST your interest rate up 2.00% APY on first $25,000.00 when criteria are met.**	A checking account that allows you to earn while managing your finances hassle-free.	For customers age 55 and up, we offer a checking account with free checks and no monthly service charges.
Minimum Opening Balance	$100.00 ($5.00 for Minors)	$100.00	$100.00	$100.00
Interest Bearing		***	**
Visa^®Debit Card
Unlimited Check Writing				Free Checks
Bill Pay****	First 10 Free Per Month	First 10 Free Per Month	First 10 Free Per Month	Unlimited
Mobile Banking with Mobile Deposits
Online Banking and eStatements
Free Monthly Paper Statements	$3.00/Month	$3.00/Month
Service Charge	$5.00/month	$10.00/month	$5.00/month	No Service Charge
How can I Waive the Service Charge?	Reward Criteria below	Daily Minimum Balance above $1,000.00	Daily Minimum Balance above $1,000.00	No Service Charge

*See current rate sheet for Annual Percentage Yield (APY).

** When Daily Balance exceeds $1,000.00, interest is accrued and paid on a monthly basis.

*** Certain reward criteria must be met to qualify. Please see below for more information..

Freedom FLEX Checking

A flexible checking account that allows you to spend as you see fit and waive the $5.00 fee when certain criteria are met.

With a Freedom Flex account, you’ll enjoy:

The ability to waive service fees*
10 FREE Bill Pay transactions a month
Online and Mobile banking access
A minimum opening balance of just $100
No service fee for anyone 0-23

OPEN ACCOUNT

*You must meet the Required Criteria plus ONE (1) of the Additional Criteria to waive service charge.

Required Criteria:

VISA® Debit Card Activity

- Complete a minimum of fifteen (15) posted VISA® Debit Card Point of Sale (POS) Transactions by the last business day of each month

Additional Criteria - Meet one (1) of the following:

Direct Deposit

-Receive one (1) or more posted ACH Credits monthly (minimum of $500.00 cumulative monthly)

ACH Payments

- Send two (2) or more posted ACH Debits monthly (excluding electronic checks)

ECB Companion Account

- The Primary Owner of the Freedom Flex Account must also be the Primary Owner of a qualifying account that maintains a minimum daily balance of $1,000.00

- Qualifying Companion Accounts Include: Savings Account, Money Market Deposit Account and High Yield Money Market Deposit Account

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Freedom BOOST Checking

A checking account that can BOOST your interest rate up 2.00% APY on first $25,000.00 when criteria are met.

With a Freedom BOOST checking account, you’ll enjoy:

A competitive interest rate with opportunities to increase your earnings* Rate Sheet
The opportunity to waive service fees*
10 FREE Bill Pay transactions a month
Online and Mobile banking access
A minimum opening balance of just $100

OPEN ACCOUNT

*You must meet the Required Criteria plus TWO (2) of the Additional Criteria to earn the higher Interest Rate. See current rate-sheet for Annual Percentage Yield (APY).

Required Criteria:

VISA® Debit Card Activity

- Complete a minimum of fifteen (15) posted VISA® Debit Card Point of Sale (POS) Transactions by the last business day of each month

Additional Criteria - Meet two (2) of the following:

Direct Deposit

-Receive one (1) or more posted ACH Credits monthly (minimum of $500.00 cumulative monthly)

ACH Payments

- Send two (2) or more posted ACH Debits monthly (excluding electronic checks)

Automatic Scheduled Installment Payments to an ECB Loan

- Make one (1) or more posted automatic scheduled installment payment(s) to an Eastern Colorado Bank Loan

-Keep a Daily Minimum Balance of $1,000.00 to Waive $10.00 Monthly Service Charge.

Freedom NOW Checking

Our Freedom NOW Checking account is an interest bearing account that offers limited check writing, a free VISA® Debit Card, eStatements, Online Banking and ECB Mobile app. This account does not incur a monthly service charge unless the daily balance of the account falls below $1,000.00. If the daily balance falls below $1,000.00, a $5.00 monthly service charge is assessed. Open this account with a $100.00 minimum opening deposit and begin earning interest today.

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Open Freedom BOOST Checking Account OnlineOpen Freedom BOOST Checking Account Online Current Rate SheetCurrent Rate Sheet

Freedom 55 Checking

If you are 55 years or older, we have an account to remind you of the simpler times. Our Freedom 55 Checking account is designed to make your life easier with these special account features:

No monthly service charge
No service fees on cashier checks or money orders
Free Online Banking, ECB Mobile app & unlimited Bill Pay
Complimentary Freedom 55 checks
Free VISA® Debit Card
$100.00 minimum opening deposit.

Open Freedom 55 Checking OnlineOpen Freedom 55 Checking Online

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Freedom FLEX Checking

With a Freedom Flex account, you’ll enjoy:

Freedom BOOST Checking

With a Freedom BOOST checking account, you’ll enjoy:

Freedom NOW Checking

Freedom 55 Checking

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Manage Your Business On the Go