Checking

“Enjoy one of the best services available to Members!"

Choose from one of our three FREE distinct checking accounts! Whether you want an interest bearing account, cash back on purchases or a simple basic checking, East River FCU offers the best checking accounts with no fees attached!

Kasasa Cash® Checking

Be rewarded by earning a competitive rate on your balance every month with our FREE Kasasa Cash checking account. 

Benefits of having a Kasasa Cash Checking account:

  • Interest Earned Monthly
  • 0.75% APY* on balances up to $10,000
  • 0.75% to 0.16% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • No Minimum Balance Required
  • No Monthly Service Charge
  • Refunds on ATM withdrawal fees, nationwide
    (up to $4.99 each, $25 max per month)*
  • No Deposit Cutoff Times
  • Unlimited Check Writing
  • Duplicate Checks (reorder add'l checks)
    Check box prices vary by style and design.
  • FREE Live Phone Inquiries and Transfers
  • FREE Online Banking
  • FREE Bill Pay Service
  • FREE Phone Banking
  • FREE VISA® Debit Card**
  • FREE Notary Service
  • FREE Direct Deposit
  • Ready Credit Line Available
  • Courtesy Pay Available
  • Link to our FREE Kasasa Saver® and build savings automatically

You’ll have unlimited ATM use at CO-OP or MoneyPass networks surcharge-free. Should you be outside those networks with Kasasa Cash, you can also earn refunds on ATM withdrawal fees nationwide.*

Open your account today

Qualifying to earn your rewards is easy!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled in and agree to receive e-Statements

If for some reason you don’t meet monthly qualifications, your Kasasa® account is still free and can get right back to earning your full rewards the next month! View monthly cycle dates (PDF).

(Tip: Use your debit card for recurring bill payments to make qualifying even easier!)

Not a member? Join!

Kasasa Cash Back® Checking

Earn cash back rewards on your debit card purchases every month with our FREE Kasasa Cash Back checking account. Qualifying is easy!

Rewards and Benefits of a Kasasa Cash Back checking account:

  • Purchase Refunds Monthly
  • FREE checking that pays you back when qualifications are met*
  • 2.00% cash back on debit card purchases*
  • Cash back earned on up to $200 in purchases monthly
  • Earn up to $48 cash back per year, $4 per month
  • No Minimum Balance Required
  • No Monthly Service Charge
  • Refunds on ATM withdrawal fees, nationwide
    (up to $4.99 each, $25 max per month)*
  • Duplicate Checks (reorder add'l checks)
  • FREE Live Phone Inquiries and Transfers
    Check box prices vary by style and design.
  • FREE Online Banking
  • FREE Bill Pay Service
  • FREE Phone Banking
  • FREE VISA® Debit Card**
  • FREE Notary Service
  • FREE Direct Deposit
  • Ready Credit Line Available
  • Courtesy Pay Available
  • Eligible to open an exclusive Kasasa Saver® account

You’ll have unlimited ATM use at CO-OP or MoneyPass networks surcharge-free. Should you be outside those networks with Kasasa Cash Back, you can also earn refunds on ATM withdrawal fees nationwide.*

Sound good already? Join ERFCU!

Qualifying to earn your rewards is easy!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled in and agree to receive e-Statements

If for some reason you don’t meet monthly qualifications, your Kasasa® account is still free and can get right back to earning your full rewards the next month!  View monthly cycle dates.

(Tip: Use your debit card for recurring bill payments to make qualifying even easier!)

Become a member today!

Free Basic Checking

Simple, easy, and FREE. Our Basic Checking accounts give you access to your money and lots of FREE services to go along with it.

No catch, no monthly fees, no direct deposit necessary. No kidding! Plus, with an East River FCU VISA® Debit Card* you have unlimited ATM use throughout your neighborhood and all across the country. Use your card at any ATM on the CO-OP or MoneyPass Networks and you’ll be guaranteed a surcharge-free transaction. ATM’s outside of these networks may access a fee at the discretion of the ATM owner, however East River FCU will not access a fee.

Benefits of having an East River FCU Checking Account:

  • No Minimum Balance Required
  • No Monthly Service Charge
  • No Deposit Cutoff Times
  • Unlimited Check Writing
  • Duplicate Checks (reorder add'l checks) Check box prices vary by style and design.
  • FREE Live Phone Inquiries and Transfers
  • FREE Online Banking
  • FREE Bill Pay Service
  • FREE Phone Banking
  • FREE VISA® Debit Card**
  • FREE Cashier Checks
  • FREE Money Orders
  • FREE Notary Service
  • FREE Direct Deposit
  • Ready Credit Line Available
  • Courtesy Pay Available


**Note: Daily debit card transaction limit is $3,000 and daily ATM withdrawal limit is $500.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
"Monthly Qualification Cycle" means the statement cycle preceding the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Cashaverage daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 0.75% resulting in an APY of 0.75%; and average daily balances over $10,000 earn a dividend rate of 0.10% on the portion of the average daily balance over$10,000, resulting in a range from 0.75% to 0.16% APY depending on the account's average daily balance.
Kasasa Cash Back: you will receive 2.00% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $4.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 10/22/2020.
APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
Limit of one (1) account per Social Security Number.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.
Trademarks: Kasasa, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.