Checking
No minimum balance, no maintenance fees, and no hassles.
Packed with benefits and conveniences.
PowerPlus™ Checking
Most Popular
Maximize your earning power with a high rate of interest and unlimited monthly ATM fee refunds.
Simply Checking
An account for those looking to keep it simple.
No matter which account you choose, you’ll benefit from:
No Service Fee
No matter which account you choose, there is no monthly service fee and no minimum balance requirement.
Tap to Pay
Use the Visa Debit card with confidence with built in zero fraud liability and the ease of contactless payment.
Enhanced Direct Deposit™
Get access to your payroll funds up to two days earlier.*
Free Credit Monitoring
With SavvyMoney, track your credit score and receive notifications regarding changes to your credit report.
Zelle®
A fast, safe way to send money directly between almost any bank or credit union account in the US, within minutes.1
Get the most from your checking account.
See how PowerPlus Checking compares to other major banks nationwide.
| Financial Institution | Checking Account | Max APY | Monthly Maintenance Fee | Fee for using another ATM | Monthly Refund of ATM Surcharge fees |
|---|---|---|---|---|---|
| BCU | PowerPlus™ | 2.00% | $0 | $0 | Unlimited |
| Chase | Premier Plus | 0.01% | $25 | $2.50 per transaction after the first 4 transactions | None |
| Wells Fargo | Preferred | 0.01% | $15 | $2.50 per transaction after the first transaction | None |
| Bank of America | Advantage Relationship | 0.02% | $25 | $2.50 per transaction | None |
| US Bank | Platinum | 0.02% | $24.95 | $0 | None |
| PNC | Virtual Wallet with Performance Speed | 0.01% | $15 | $3.00 per transaction after the first 4 transactions | Up to $10/month |
| Huntington | 25 Interest Checking | 0.02% | $25 | $3.00 | None |
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Disclosure
1To earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which 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 7/1/2022. 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. 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.