Our free checking has no maintenance fees, and no required minimum balance.
When we say free, we really mean it: no monthly maintenance fees, no minimum balance requirements, and much more.
Our free Member Advantage checking account comes with 4.07% APY on the first $500 4 (Checking account balances $500.01 and over receive a rate of 0.10% APY) and many other popular benefits, including:
Not sure if you will use your checking account every month, but still want to take advantage of no monthly maintenance fees or minimum balance requirements? Then this BECU Checking Account is the one for you.
Your free BECU Debit Mastercard comes with a wealth of benefits. Use your debit card to make everyday purchases and pay bills. Learn more about your debit card benefits.
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When it comes to finances, we're all in it together. BECU is a member-owned credit union, and we're here to make our members' lives easier by saving them money. That's why we offer our members free or low-cost services and competitive rates on loans and credit cards.
By establishing membership with us, you'll get these membership benefits and more:
1 Certain restrictions, conditions and limitations apply. More detailed information on these benefits can be found in the Mastercard Guide to Benefits.
2 Based on account ownership status and account type.
3 To open a checking account, you must establish membership by opening a Member Share savings account or Member Advantage savings account. Business and fiduciary accounts are not eligible for Member Advantage. Limit one Member Advantage checking and savings account per person. Member Advantage eligibility and benefits are subject to change.
4 Rates stated as Annual Percentage Yield (APY), effective 02/15/2024 and are subject to change after account opening. Earn 4.07% APY on the first $500 in your Member Advantage checking and 0.10% APY on checking balances over $500. Fees may reduce earnings. Member Advantage savings account required to establish membership.
5 Refund of out-of-network ATM fees charged by the other financial institution on ATM withdrawals from a Member Advantage savings, Member Advantage checking or Member Advantage money market account. Refund will be made to the Member Advantage account of withdrawal. Account must be open and still considered Member Advantage at time of refund. Refunds processed daily and may take up to three days due to cut-off and posting times. If you share your Member Advantage account with another person, your maximum fee reimbursement will still be $3.
6 Qualifying transactions include Debit Mastercard: Make purchases online, over the phone and in person, Online or Telephone Banking: make BECU loan or credit card payments, or transfer funds between BECU accounts, Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account.
7 0.20% currency conversion fee may be included in the purchase or withdrawal's overall total when using a debit card; however, the fee will be refunded within 3 business days contingent upon the account being open at the time of refund.
8 You may be required to deposit $10 if opening a checking account online.
