PowerPlus™ Checking

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Elevate Your Earnings

PowerPlus Checking offers rates up to 4.00% APY*, nearly 50 times higher1 than rates at national big banks.

 level 2  level 1

4% APY

on balances up to $15,000

2% APY

on balances up to $15,000

0.01% APY

on balances over $15,000

0.01% APY

on balances over $15,000


monthly ATM fee refunds*


monthly ATM fee refunds*

Monthly Qualifications
 $3,000 made via direct deposit or Deposit Anywhere  $1,000 made via direct deposit or Deposit Anywhere
30 qualifying transactions 15 qualifying transactions
 Enroll in eStatements  Enroll in eStatements

Calculate Your Savings

See how much you could earn

= $

Actual savings will vary, based on balance amount and monthly savings.

Qualifier screen

Qualifications Checklist

Easily track your qualifications progress within Digital Banking with the PowerPlus™ Checking Tracker Tool.

Checkmark Direct Deposit: Make at least $1,000 in direct deposits for Level 1 and $3,000 or more for Level 2. 

Checkmark Qualifying Transactions: Make 15 qualifying transactions for Level 1 and 30 for Level 2.

Checkmark eStatements: Sign up for paperless statements in Digital Banking. 


Support Videos

Frequently Asked Questions

  • What’s new about PowerPlus™ Checking?

    At BCU, Empowering People to Discover Financial Freedom is not just our Purpose; it’s our passion. Your financial well-being is our reason for being, and we’re constantly working to elevate your banking experience. Starting December 1, 2022, the enhanced PowerPlus Checking gives you the power to earn more with up to 4.00% APY in the months you qualify!

  • What is a qualifying transaction?

    Qualifying transactions include BCU debit or credit card purchases, online bill payments, ACH payments or payments to BCU loans.

  • Is there a penalty if I don't meet the qualifications?

    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 BCU inform me of what level I qualify for?

    For the most current information on your level qualification status, please log into Digital Banking and navigate to the PowerPlus™ Checking tool on your Dashboard.

  • How do I set up or increase direct deposit?

    Start by filling out your employer’s direct deposit form. You may also generate a customized direct deposit form in Digital Banking or use Deposit Anywhere to fulfill the monthly requirement.

  • How do I go paperless and enroll in eStatements?

    First, log into Digital Banking. From your Dashboard, select Menu, then View Documents. Then, select Paperless Settings and checkmark all or “Statements” to qualify. Go green to get the green!

  • What if my direct deposit fluctuates monthly?

    We’ve got you covered. We’ll review your direct deposit requirement on a monthly basis, and you may fluctuate from Level 1 or Level 2 automatically. If depositing a check from another financial institution is an option via Deposit Anywhere, this qualifies, too

  • What if I no longer qualify to earn a dividend?

    Whether or not you qualify for a level and earn a dividend, you will not be charged a minimum deposit or monthly maintenance fee. We’re here to help you earn to your highest potential. Call us at 800-388-7000 or schedule an appointment with one of our certified Goal Consultants to determine opportunities for you to save or earn more.

  • Disclosure


    Powerplus Checking

    *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 6/1/2024.

    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.

    1 Calculation is based on the national deposit rate for interest checking of 0.07 as of 10/16/2023.  Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Interest checking rates are based on the $2,500 product tier. Visit FDIC: National Rates and Rate Caps to access published information. 

    2Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact BCU for more detail.

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