If you are 18 years or older, do not have an existing bank account and are unable to provide proof of income or address, this account is for you! Product Information The ECCU First Step Savings Account is available to ECCU residents 18 years and over who are first-time account holders. Features & Benefits Features Benefits FREE Republic Visa Debit Card Keep track of your account balance Get convenient 24/7 access to your account at Republic Bank ATM machines Enjoy the flexibility of paying for goods and services at merchants nationwide. You don't need to carry cash! Get immediate access to funds in an emergency FREE Republic Visa Debit Card wallet Protects your card from damage FREE and instant access to your account(s) with RepublicOnline and RepublicMobile App No need to leave home! With electronic banking, you can: check your account balances and transactions transfer funds pay bills FREE Monthly E-Statements Keep track of your monthly transactions No minimum balance requirement Easy maintenance of account No restrictions on withdrawals Easy access to your funds Deposits must not exceed EC$3,000 monthly or EC$36,000 per year Please note: No international wire transfers are permitted with this account No overdrafts are permitted Rates & Fees Interest Rates Service Fees 2% per year No opening fee No maintenance fee How to Apply The ECCU First Step Savings Account is available to ECCU residents 18 years and over who are first-time account holders: One valid photo ID is required to open the account (e.g., national ID, driver’s licence, or passport). Minimum opening deposit XCD$25