Find the most up-to-date Education Credit Union promotions, bonuses, and offers here.

Update 11/26/25: There’s currently a $190 checking bonus offer available through 12/31/25.

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Eligibility: Membership is open to anyone if one or more of the following applies:

All employees of all public, private, or parochial schools, colleges, or universities.
All students of all public, private, or parochial schools, colleges, or universities.
All individuals holding a valid Texas teaching certificate
Home schoolers
Retirees receiving retirement or pension because of employment by any organization in the field of membership
Members of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, and Bushland ISD Council PTA
Certified day-care workers in Potter and Randall counties
Spouses of eligible persons who died while in the field of membership
Employees of District 4 of the Texas Department of Transportation
Any blood or legal relative of anyone who is eligible for membership
Anyone living, working, attending church, or school within 10 miles of any of our locations

(Expires 12/31/2025)

You can compare this to several great entry level checking account offers:
BMO Smart Money Checking ($400 cash bonus*)	BMO Smart Advantage Checking ($400 cash bonus*)
KeyBank Key Smart Checking ($300 bonus)	SoFi Checking and Savings ($325 bonus)
Bank of America ($500 bonus offer)

HOW TO EARN BONUSFINE PRINT

To earn the $190 bonus, new $mart Checking account holders will need:
Meet $mart Checking Bonus Dividend requirements within the first 60 days of the account being opened
- Enroll in eDocs
- Make at least 15 debit card purchases (Non-ATM, posted, and settled transactions only)
- Receive $500+ in electronic deposits (Includes payroll, ACH transfers, direct deposits, or remote deposits)
Must maintain a positive balance on the last day of the statement cycle that the $mart Checking Bonus Dividend requirements are met

Offer valid July 1, 2025 through December 31, 2025, for individuals who have no previous checking accounts with Education Credit Union.
To qualify for this bonus, new members must earn the Smart Checking Bonus Dividend (as described in the Truth In Savings disclosure that has been provided as part of the membership packet) within the first 2 full statement cycles of the checking account being opened and must not have a negative balance on the last day of the statement cycle in which the Smart Checking Bonus Dividend requirements are met.
Once these requirements have been met, the $190 bonus will be directly deposited into the qualifying Smart Checking account within seven (7) days after the date the Smart Checking Bonus Dividend has been deposited.
This bonus may not be deposited into any other account(s). Only one(1) bonus will be paid per membership.
If the account is closed within 12 months of the bonus being paid, Education Credit Union may deduct the bonus amount, not to exceed $190 from the member’s available balance.
This bonus is considered taxable and will be reported to the IRS as earnings on the account that is opened.