You could get a checking account, or you could get one that makes you more money. A wealth builder checking account can be a great way to earn extra money on your deposited funds. The extra money generated can help you purchase what you need or increase your savings for a rainy day. Our wealth builder account provide excellent benefits to our members and the application is easy to complete.
Details
- Earn dividends.
Earn 3.00% APY1 on balances up to $20,000 (minimum balance of $500 to earn dividends) if you meet your monthly qualifiers - No monthly service fees.2
No monthly service charges and no minimum balance requirement - Free debit card rewards.
Take advantage of our FREE debit card rewards program! - Access 30,000+ ATMs.
Access surcharge-free ATMs nationwide through the CO-OP ATM Network. - Anywhere banking tools.
Manage your money with our Online Banking, Bill Pay, Mobile Banking App, Mobile Deposit and eStatements. - You’re always in control.
Can’t find your Ellafi FCU debit card? No worries. You can instantly disable your debit card within the Ellafi FCU online or mobile app. There’s no need to call. And if you find your card – it’s just as easy to enable transactions again.
Here’s How You Qualify
- Use your debit card for 20 or more purchases
- Make deposits (of any kind, excluding transfers within Ellafi) totaling $500 or more each month
That’s it. Even if you don’t meet your qualifications one month, you’ll still earn 0.10% APY1 on balances up to $10,000 (minimum balance of $500 to earn dividends). And the next month? You’re right back on track to earn even more. Because at Ellafi, we believe every step forward deserves a reward.
Digital Wallets
Ellafi FCU offers a variety of mobile payment options to help add security and simplicity to your life—and we are constantly adding even more options. For instance, your debit card lets you make payments from your checking account via:
- Apple Pay
- Google Pay
- Samsung Pay
Learn more about Digital Wallets
Keep Your Account Protected
Opt in for overdraft privileges on your debit card
Ellafi Federal Credit Union's overdraft protection program is designed with your protection and convenience in mind. The vast majority of our members do not overdraw their accounts and never incur fees, however life doesn't always go according to plan, and overdrafts do occur. We offer many ways to protect your transactions. Without extending overdraft protection to your debit card, your ATM and everyday debit card transactions may be declined if you attempt to make a transaction without sufficient funds.
Build Money Skills with Enrich Financial Wellness
Everyone is different, and that impacts how you handle money. With Enrich Financial Wellness, simply answer a few quick questions and the platform will build a personalized action plan to enhance your money management skills. Enrich Financial Wellness is free for all Ellafi members! When you sign up, you gain access to:
- Financial recommendations tailored to you
- Suggested content on everything from budgeting to saving for retirement
- An analysis of your money personality
- Video tutorials with easy, everyday money tips and tricks
- In-depth financial courses with progress tracking
- And more!
Sign up and start learning in less than 10 minutes.
Disclosures
1APY= Annual Percentage Yield. APY is accurate as of 04/28/2025. Rates are subject to change after account opening. Earn 3.00% APY on balances up to $20,000 (minimum balance of $500 to earn dividend) if you meet your monthly qualifiers. If you do not meet your monthly qualifiers, you will still earn 0.10% APY on balances up to $10,000 (minimum balance of $500 to earn dividend). Fees may reduce earnings. Although a minimum balance is required to earn rewards, there is no minimum balance required to open the account. Ellafi Federal Credit Union savings account required to establish membership. Limit of one Wealth Builder Checking account per member/social security number.
2Fees associated with inactive debit cards, inactive online banking, overdraft, Courtesy Pay or insufficient funds remain. Please consult the Fee Schedule for current fees.