PowerPlus™ Checking
Get 4.00% APY on balances up to $15,0001

No minimum balance, no maintenance fees, and no hassles.

Packed with benefits and conveniences.

PowerPlus Checking

PowerPlus™ Checking

Most Popular

Get the power to earn up to 4.00% APY and unlimited ATM fee refunds1.

Simply Checking

Simply Checking

Looking to keep things simple?
Open a basic checking account.

It’s your money. Get it sooner.

Get electronic deposits up to two days ahead of your scheduled payday* with Enhanced Direct Deposit™.
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Remember to protect your information!

The Credit Union will never contact you to request information we already have.

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fee free
fee free checking
mobile deposits
deposit whenever, wherever
easy access
where you go, we go
secure and convenient
secure and convenient, always
contactless tap and go card processing

Do you have the Contactless
feature on your Visa® Card?

Look for the Contactless symbol on the front of your BCU Visa® Card that indicates if you have the option to tap to pay.
  • Disclosure


    Powerplus Checking

    *To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $5.00 per transaction, your account must meet all three of these requirements monthly to qualify for Level 1 or Level 2. Please note, ATM surcharge fees are covered up to $5.00 per transaction, any remaining ATM surcharge fee over $5.00 will not be reimbursed.

    To achieve Level 1, you must have monthly direct deposits totaling at least $1000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions.

    To achieve Level 2, you must have direct deposits totaling at least $3000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least thirty (30) qualified transactions.

    Qualified transactions include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which will apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 5/1/2024.

    The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. Fees may reduce earnings.

    PowerPlus Checking is available as a personal account only and is limited to one account per member. When Opted In, if you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month). Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

    1 Calculation is based on the national deposit rate for interest checking of 0.07 as of 10/16/2023.  Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Interest checking rates are based on the $2,500 product tier. Visit FDIC: National Rates and Rate Caps to access published information. 

    2Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact BCU for more detail.

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