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Power Interest Checking™

Power Interest Checking™

Earn a great rate and enjoy freedom from fee-dom:

  • Earn 2% APY on balances up to $25,000¹
  • No monthly maintenance fees
  • No minimum balance or overdraft transfer fees
  • Early access to your payroll funds with Enhanced Direct Deposit™
  • We go where you go with our mobile banking app, Deposit Anywhere, nationwide ATM access, and more.

  • Compare the features of our checking accounts.


    What do I need to do to earn the Dividend (interest)?
    To qualify for the stated interest rate, your account must meet these monthly requirements:
    1. Direct Deposit(s) totaling $500 a month or more
    2. Enrollment in Online Statements with a valid email address, PLUS
    3. Make 15 qualifying transactions²

    Balances up to $25,000 will earn the stated higher rate and the portion of the balance over $25,000 will earn the stated lower rate. Accounts not meeting all monthly requirements will not earn interest.

    What is a Qualifying Transaction?

  • Credit Union Credit and Debit Card Purchases (both PIN and signature based purchases apply)
  • Payments made through Online Bill Pay from your Power Interest Checking™ Account
  • Electronic (ACH) Payments (payments automatically withdrawn from your account from the billing merchant you authorize)
  • Can I have more than one Power Interest Checking Account?
    Power Interest Checking is available as a personal account only and limited to one account per member.

    Does my monthly deposit have to be set up via automated transfer method?
    Yes, an automatic form of deposit is required which can be easily set up within Online Banking.

    To open a Power Interest Checking account:

  • Already a member? Login to Online Banking and select Open a Checking Account or fill out the New Checking Request PDF.
  • Not a member? Join online today
  • Contact Member Relations at 800-388-7000
  • Visit your local Service Center

  • ¹View full rates and disclosure
    ²View more details and examples

    CURewards®™ is a registered trademark of Hinda, Inc.
    IDSafeChoice℠ is a service mark of Merchants Informations Solutions, Inc.
    Visa® is a registered trademark of Visa.
    Enhanced Direct Deposit™, and Power Interest Checking™ are trademarks of BCU.