A checking account that's as unique as you are. Customize it to suit your needs.
1. A $5 monthly fee will also be charged to checking accounts that are inactive for more than 30 days. 2. Pocket the Change is a free automatic savings program. 3. Click here to enroll in BTCU's Online Banking & Bill Pay. 4. For Online Banking Bill Pay users, this service is free when you pay one or more bills each month, otherwise your account will be charged $3.95 per month. 5. Click here for current rates. Apply online or contact a loan officer at any one of our four convenient locations.
| Minimum to open: |
$100 |
| Minimum balance: |
None |
| Earns interest: |
None |
| Monthly maintenance fee: |
$6.95 per month1 |
| To avoid the monthly maintenance fee, select at least 3 options: |
> eStatements > Online Banking > Debit Card > Visa Gold Card |
| Optional features: |
FREE > Visa Debit Card FREE > Pocket the Change2 FREE > eStatements1 FREE > Online Banking3 FREE > Bill Pay3,4 NO ANNUAL FEE > Overdraft Protection5 NO ANNUAL FEE > Visa Gold Card5 |
1. A $5 monthly fee will also be charged to checking accounts that are inactive for more than 30 days. 2. Pocket the Change is a free automatic savings program. 3. Click here to enroll in BTCU's Online Banking & Bill Pay. 4. For Online Banking Bill Pay users, this service is free when you pay one or more bills each month, otherwise your account will be charged $3.95 per month. 5. Click here for current rates. Apply online or contact a loan officer at any one of our four convenient locations.
A free automatic savings program to help you save for anything - vacation, new tools or emergencies.
We aggregate the round-up from each Debit Card purchases that posts to your checking account each business day and make a single transfer (called Pocket the Change transfer) to your savings account at the end of the business day. If on any business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round-up purchases posted on that business day and we cancel the Pocket the Change transfer for that day.
| What you need: |
> Checking account > Savings account > Debit Card |
| What it costs: |
Free |
| How it works: |
Every time you make a purchase with your Debit Card, we'll round your purchase up to the nearest dollar and transfer the difference from your checking to your savings account. |
| How to enroll: |
Simply complete and return the Additional Products & Services Application. |
| How to start saving: | Start using your Debit Card and watch your savings grow! |
We aggregate the round-up from each Debit Card purchases that posts to your checking account each business day and make a single transfer (called Pocket the Change transfer) to your savings account at the end of the business day. If on any business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round-up purchases posted on that business day and we cancel the Pocket the Change transfer for that day.
Federally insured by the National Credit Union Administration. 
Equal Housing Lender.