Return to Member

In 2018, Liberty Financial returned $3,812,583 to their members through checking accounts alone. This is an incredible 61% increase over the amount returned through checking accounts in 2017.

Vertical Checking

What our members are saying about Vertical Checking

"I love the interest you gain from this account, as well as the ATM fees being returned to you. No other bank or credit union can beat Vertical Checking, and that makes it a pretty awesome account."

Audree N. ★★★★★

"I love the realtime features, Vertical Checking earnings each month, and the reimbursement of ATM fees! This is the first checking account that I have had that has an app where you can bank efficiently and not have to worry about issues."

Amy G. ★★★★★

"The dividend is top notch! I’ve told all of my friends about Vertical Checking, and they didn’t believe me until they checked out the website. Also, the free ATMs are a nice addition."

Kevin Z. ★★★★★

"I love the convenience of the ATM network. There are no hidden fees, and I feel that my money pays back with the awesome monthly dividends I earn. It’s like a bonus each month of the year!"

Jared D. ★★★★★

Only Vertical Checking and Platinum Rewards Checking offer all of these exciting benefits:

Great Rates and Rewards

Free ATMs Anywhere

No Minimum Balance

No Monthly Service Fee

Account Access

What our members are saying about Platinum Rewards Checking

"I have used many banks and other credit unions before, and I have never been happier then I am with ETFCU and my Platinum Rewards checking account. I love the fact that you can earn reward points…. It comes in very handy. It’s like free cash!"

Cathy B. ★★★★★

"I love that I get reimbursed for my ATM fees, and that I can use my reward points for cash back that is deposited right into my Platinum checking account!"

Jack S. ★★★★★

Platinum Rewards Checking

Vertical Checking

Earn 3.00% APY—Plus
FREE ATMs Anywhere!
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  • Earn 3.00% APY
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fees

Enjoy 3.00% APY on your balance up to $20,000. That’s more than money market rates or the highest yielding certificates!

Platinum Rewards Checking

Receive 500 Bonus ScoreCard
Reward Points Each Month!
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  • 500 bonus ScoreCard points
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fee

Earn reward points every month and with every purchase. Redeem them for name-brand merchandise, travel, and more!

Monthly Requirements


15+ debit card purchases


1+ direct deposit into the account


1+ online or mobile banking login


Receive electronic statements

Enjoy the convenience of eStatements for free! Click here to enroll or learn more.


Simply open your account online today to get started.

Already have an account? Click here to upgrade.

Annual Percentage Yield is accurate of 1/2/2018. Maximum monthly earnings based on 31-day month. $25 minimum opening balance. Dividends not paid on balances above $20,000. There is no minimum balance requirement to earn a dividend. Rate may change after account is opened. Fees could reduce earnings. Direct deposit, online banking, eStatement, and debit card usage requirements must be met in order to qualify. ATM fee reimbursement limited to $15 per account per month. Refund paid on the last day of the month. Monthly benefits based on 2018 qualifying VerticalChecking accounts. Federally Insured by NCUA.