Maryland Heights

1805 Craigshire Road
Maryland Heights, MO 63146


16500 Manchester Road
Wildwood, MO 63040

Manchester (Lafayette Center)

407 Lafayette Center Road
Manchester, MO 63011

South County (Tesson Ferry)

12400 Tesson Ferry Road
St. Louis, MO 63128

CU Service Centers No-Fee ATMs

Checking Accounts

An Electro Savings Credit Union checking account is convenient and affordable. Choose which checking account fits your lifestyle.

  Classic  Rewards Fresh Start 


Prepaid Debit

Minimum Balance No $300 No No 
Monthly Service Fee No No(1) Yes No 
One-time Setup Fee No No No Yes
EMV Chip Debit Card Yes Yes Yes Yes
Saint Louis FC Card Design Option Yes Yes Yes Yes
Debit Card Rewards No Yes No No
CO-OP No-Fee ATM Network Yes Yes Yes Yes
CO-OP Shared Branch Network Yes Yes Yes Yes
Online Account Access Yes Yes Yes Yes
Online Bill Pay Yes Yes Yes No
Mobile App with Card Controls Yes Yes Yes Yes
Electronic Statements & Storage Yes Required Yes Yes
Member Appreciation Rebate Eligible Eligible Eligible Eligible
Direct Deposit Available Yes Yes Yes Yes
Overdraft Privilege Available Yes Yes No No

(1) Minimum balance required to avoid monthly service fee

30,000+ No-Surcharge CO-OP ATMs - Largest in the U.S.

Access your checking account close to home, work or out-of-town with no fee at CO-OP Network ATMs. CO-OP ATM Network is largest in the U.S. Find a CO-OP ATM.

CO-OP ATMs Largest in U.S.

More than 5,300 CO-OP Branch Locations - 3rd Largest in the U.S.

Access your account at more than 25 St. Louis branch locations in metro St. Louis, more than 35 in Missouri and more than 3,300 nationwide at Credit Union Shared Branch locations. Find a Credit Union Service Center location.

CO-OP Branches 3rd Largest in U.S.

Debit MasterCard

Your Debit MasterCard is both a check card and an ATM card. Use it to make purchases with a signature wherever MasterCard debit is accepted, or use it with your Personal Identification Number (PIN) at merchants who only accept PINs or at ATMs. You can even choose to personalize your Debit MasterCard by uploading your own photo as your card's background image.

Online and Mobile Account Access

Conveniently and securely access your accounts online from your PC or web-enabled mobile device. Download our free application to your Smart Phone or Apple Watch.

Apple Store Electro Savings Mobile App  Google Pay Store Electro Savings Mobile App

Overdraft Privilege

Overdraft privilege is available to qualified members with a signed opt-in approval form. With Overdraft Privilege, we will cover your transaction for a flat per transaction fee up to your approved overdraft limit.

Account Switch Kit

Take the hassle out of switching your checking account with our convenient online Switch Kit. It's easy to use.

CheckRight Self-Study Program

CheckRight Self-Study ProgramA checking account is an important money management tool. Whether you are looking to open a checking account for the first time or you have had difficulty handling an account in the past, CheckRight is designed to teach you how to manage your checking account. CheckRight is a self-study program that allows you to learn at your own pace.

Money Management Tools

BudgetSmart SoftwareEasy to learn and use, Budget$mart is a free software program that can help you gain control of your spending and savings by helping you establish a budget.

Your money is a major part of your life. Learn to manage your money like an expert!

All Electro Savings Credit Union depositors are federally insured.

Open your Electro Savings Credit Union checking account now.

What documents you need to open your membership.