Simply Checking™

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

An account for those looking to keep it simple.

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Enhanced Direct Deposit™

Receive payroll funds up to a full day earlier with Enhanced Direct Deposit™.

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No minimum balance

No minimum balance requirements or monthly maintenance fees.

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.
contactless tap and go card processing

Frequently Asked Questions


  • 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.

  • 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/MICR Number.

  • 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 up to 4.00% APY1 on balances up to $15,000 and unlimited ATM fee refunds1 when monthly qualifications are met

    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 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.

  • 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:

    1. Log in to Online Banking.
    2. Select the account you'd like to view from your account list.
    3. The routing number and MICR/Account Number can be found in the Details tab.

    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.

  • 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.

  • Disclosure

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    No minimum deposit for account opening or minimum monthly balance required. Multiple Simply Checking accounts are allowed. Simply checking is a transactional account that does not earn interest. 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 Fee Schedule in the Consumer Member Service Agreement for further details. Simply™ Checking is a trademark of BCU.

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    *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 12/1/2022.

    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. 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.



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