It's your money. Get it up to a full day earlier.
Safely and quickly depositing your money into your checking or savings accounts is easy with Enhanced Direct Deposit™
Free & Automatic
Rest assured knowing that your money will be deposited to the account of your choosing.
Get Your Money Sooner
Receive your payroll funds up to a full day ahead of your scheduled payday.
Lower the risk of fraud due to loss or theft of your check.
Frequently Asked Questions
What are the different checking account options offered by the Credit Union?The Credit Union offers a variety of checking account options—all with no monthly maintenance fees or minimum balance requirements:
- PowerPlus™ Checking—allows you to earn a great dividend rate on balances up to $25,0001, and provides reimbursement for up to $10 of out-of-network ATM fees each month1
- Simply Checking™—a basic account for your day-to-day transactions
Minors over the age of 16 are eligible to open a checking account if a parent or legal guardian is listed as the joint account holder on the membership.
How do I open a checking account?If you're already enrolled in Online Banking, log in to your account. In the menu, click Open An Account and then select Open a Checking Account and follow the prompts. If you're not enrolled in Online Banking, contact us.
Do Credit Union checking accounts have a minimum balance requirement or monthly maintenance fees?There is no minimum balance for opening or maintaining a checking account, nor are there any monthly maintenance fees.
What if I don't meet the qualifications for the PowerPlus Checking interest and non-BCU ATM fee reimbursement benefits?If you don't meet the qualifications, don't sweat it. You won't be penalized, and will continue to enjoy no minimum balance requirements or monthly maintenance fees as well as easy access to your account.
How many PowerPlus Checking accounts can I have?PowerPlus checking accounts are limited to one account per member.
Will I be charged for using a non-BCU ATM?The Credit Union does not charge fees for using non-BCU ATMs. Also, the Credit Union belongs to several surcharge-free ATM networks and reimburses non-BCU ATM fees for qualifying PowerPlus checking accounts.
What is the routing number for the Credit Union?The Credit Union's routing number is 271992400.
What is a MICR number and what does it mean?MICR stands for Magnetic Ink Character Recognition. This is the account number listed on the bottom of your checks. This information is used for setting up direct deposits and automatic withdrawals from your accounts.
What is my MICR number or account number?Your 14-digit Direct Deposit/MICR Number can be found on the bottom of your checks. You will see a series of numbers separated by colons (:) or other symbols. Your Direct Deposit/MICR Number is the series of numbers in the middle (see bold below).
Example: 000000000 : 00000000000000 : 0000
If you don't have checks, you can also retrieve this number by logging into Online Banking and selecting the deposit account for which you would like the information. Simply:
- Log in to Online Banking.
- Select the account you'd like to view from your account list.
- The routing number and MICR/Direct Deposit number will appear underneath the Account Details section.
For additional assistance, contact us.
NOTE: Loan account numbers can be found on the loan coupon book. If you don't have a coupon book, please contact us for your loan number.