Go Checking
Say goodbye to fees and go stress-free.
Gain peace of mind with no monthly fees or overdrafts. Ideal for both teens (13+) and adults, it’s simple banking that lets you focus on where life takes you next!
Early Direct Deposit
Get your payroll funds up to two days ahead of your scheduled payday when you set up direct deposit.
No Minimum Balance
No minimum balance requirements or monthly maintenance fees.
No overdraft fees
Rest easy knowing you’ll never be hit with unexpected overdraft fees.
Tap, Pay, Go and secure payments!
Look for the Contactless symbol on the front of your BCU Visa® Card that indicates if you have the option to tap to pay.
Frequently Asked Questions
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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.
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How do I switch my direct deposit?
The Switch Direct Deposit tool in Digital Banking removes the hassle of contacting your employer. Learn more.
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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
Go Checking— for those who need help spending only what's in their account
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.
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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.
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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/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.
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What is the routing number for the Credit Union?
The Credit Union's routing number is 271992400.
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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.
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Disclosure
Go Checking is not eligible for participation in the Courtesy Payment Service or Overdraft coverage. Therefore, if you do not have available or sufficient funds in your Go Checking account to cover the transaction when it is presented to us for payment or authorization, we will Not authorize or pay ATM and everyday (one-time) debit card transactions. You may still incur non-sufficient funds (NSF) fees for each ACH and check payment made against unavailable funds. Daily debit card limits include ATM transactions up to $510, PIN-based transactions up to $1,000 and Signature-based transactions up to $2,000. All debit card transactions are subject to funds availability. Please refer to the Consumer Member Service Agreement for more information.
*Early Direct Deposit allows you to receive payroll and other electronic deposits up to two days 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 2 days, 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.
1. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.