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™.
No minimum balance
No minimum balance requirements or monthly maintenance fees.
Frequently Asked Questions
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.
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, provides unlimited monthly cash refunds of out-of-network ATM fees and simplified monthly qualifications
- 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.
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.
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 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.
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.
If you do not have sufficient funds in your checking account to clear a presented item, funds may automatically transfer from another share and may count towards withdrawal limitations for that other share. (Regulation D dictates that electronic transfers from Savings are limited to six per month. Overdraft transfers are automated electronic transfers, which are subject to Regulation D rules. Each transfer in excess of six per month is subject to a $3 excessive withdrawal fee).
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. 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. If you do not have sufficient funds in your checking account to clear a presented item, funds may automatically transfer from another share and may count towards withdrawal limitations for that other share. (Regulation D dictates that electronic transfers from Savings are limited to six per month. Overdraft transfers are automated electronic transfers, which are subject to Regulation D rules. Each transfer in excess of six per month is subject to a $3 excessive withdrawal fee). See Service Charges and Fees Schedule in Deposit Account Agreement for further details.