Additional Checking Benefits
All the ways we go above and beyond to give you the best account.
Credit Union Checking accounts are packed with benefits and free of hassles. Whether you have a PowerPlus™ Checking or Simply Checking™ account, you can rest easy with no minimum balance requirement or monthly maintenance fees. You can also take advantage of:
Enhanced Direct Deposit™ - Get your paycheck up to a full day earlier.
Online Bill Pay - With just a few clicks, you can make paying bills much easier.
Deposit Anywhere - Deposit checks from home—or wherever you are!
Pay Anyone - Make person-to-person and other payments from anywhere.
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 $15,0001, and provides unlimited non-BCU ATM refunds 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.
What is my Account Number or MICR number?
You can find your Account Number (sometimes also referred to as MICR number) by logging into Digital Banking and selecting the deposit account for which you would like the information. The Account Number will be the 3rd item listed in the Account Details tab.
If you have checks, your 14 digit Account Number can also be found on the bottom of your checks. You will see a series of numbers separated by colons (:) or other symbols. Your Account Number is the series of numbers in the 'middle' (see bold section below).
Example: 000000000 : 00000000000000 : 0000
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.
What is the routing number for the Credit Union?
The Credit Union's routing number is 271992400.
How does Enhanced Direct Deposit work?
Financial institutions are notified of forthcoming electronic deposits before they actually receive the money. Instead of waiting for the funds to arrive like most banks, the Credit Union gives our members their money sooner by advancing payroll and any other electronic deposits as soon as we are notified they are on their way.
Can I rely on Enhanced Direct Deposit to pay for scheduled bill or loan payments?
While BCU will try wherever possible to advance payroll direct deposits by up to a full day, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on Enhanced Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.
Can I access my payroll funds any sooner if I am currently being paid by check?
No, Enhanced Direct Deposit advances the electronic deposit of payroll funds only and does not apply to checks. Any applicable standard check holds will still apply.
How do I set up direct deposit of my payroll funds?
To set up direct deposit of payroll funds to your Credit Union account and take advantage of this Enhanced Direct Deposit feature, simply provide your payroll department with Credit Union’s routing number and your 14-digit Direct Deposit/Account Number.
Does this mean my payday changes?
No, your payday doesn’t change. The Credit Union simply advances your payroll funds so you'll be able to access them up to a full day before your scheduled payday. This is a service provided by the Credit Union for our members; this is not a service your employer provides.
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.
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.