Set up a “Cash Stash” for unexpected expenses and buying opportunities. An ECU Extra Credit Line of Credit serves as overdraft protection for your ECU checking account or an easy way to access money when you need it.

Once you establish your Extra Credit Line of Credit account, you do not need to see a loan officer. You “own” all the benefits. You can make a withdrawal from the account when you visit an ECU lobby teller, or you may designate your Extra Credit Line of Credit account as overdraft protection for your checking account. You can access your funds, up to your credit limit, day or night, 365 days a year, at home or away with your Extra Credit Special Loan Drafts (checks) or you can transfer from your Extra Credit account to your checking account through ECU’s touch-tone teller. (Be sure you have signed up for this FREE service.) Mobile app or home banking

Pay your Extra Credit account in full each month or repay according to the payment schedule based upon the amount you have accessed.