Meet the new and improved PowerPlus Checking:

Thanks to account holder feedback, PowerPlus Checking is even more rewarding than
ever before. The account will earn more interest with fewer monthly qualifications.
Plus, enjoy unlimited non-BCU ATM fee refunds.

Benefits Before Current

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2.00% APY
on balances up to $25,000
0.25% APY
on balances over $25,000
3.00% APY
on balances up to $15,000
0.05% APY
on balances over $15,000

ATM debit card

Non-BCU ATM Fee Refunds

Up to $10/month UNLIMITED/month

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Monthly Qualifications For Benefits

1.  $500 made via direct deposit

2.  15 qualifying transactions

3.  eStatement enrollment
1.  $500 made via direct deposit
      or Deposit Anywhere

2.  15 qualifying transactions

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's changing with my PowerPlus Checking account?

With a qualifying PowerPlus™ Checking account you’ll enjoy 3.00% APY on balances up to $15,0001 and 0.05% APY on the remaining balance over $15,0001, unlimited monthly cash refunds of non-BCU ATM fees, and simplified monthly qualifications. You'll continue to enjoy no minimum account balance and no monthly account maintenance fees.

How do I qualify for the new PowerPlus Checking benefits?

You will qualify for the new interest rate and unlimited cash refunds of non-BCU ATM fees every month that you meet the following two requirements:
  1. Monthly deposits of at least $500 made to your PowerPlus Checking account via Direct Deposit or Deposit Anywhere
  2. Complete 15 qualifying transactions (BCU debit or credit card purchases, online bill payments, ACH payments or payments to BCU loans) per month
Note: These are the same as the current PowerPlus Checking qualifications. E-statement enrollment will no longer be required; however, we encourage you to go paperless!

What do I need to do to take advantage of these new benefits?

Nothing! You’ll automatically be eligible to receive the new benefits upon qualifying each month.

What is Enhanced Direct Deposit?

Enhanced Direct Deposit allows you to receive payroll and other electronic deposits up to one day ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 1 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. Enhanced Direct Deposit is automatically applied to any Credit Union member payroll direct deposit or other electronic deposit.

Will my account number change?

All of your account information will remain the same and you can continue using your account without interruption!

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.

How many PowerPlus Checking accounts can I have?

PowerPlus checking accounts are limited to one account per member.

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.

Earn even more with our deposit specials:

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APR = Annual Percentage Rate
APY = Annual Percentage Yield

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