Most big banks are adding fees to their checking accounts—even to their so-called “free checking” accounts. At BECU, checking accounts are truly free.

Member Advantage Checking

A Member Advantage Checking Account rewards you with a premium rate on the first $500 when you enroll in Member Advantage. With Member Advantage, you’ll enjoy additional benefits, such as better earnings on CDs, IRAs and Money Market accounts, cash back on auto loans, along with lower rates on home equity fixed rate advances, boat and RV loans. Learn More.

Checking APY* effective 02/01/2012
	$0-$500	$500.01+
Member Advantage Checking   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	6.17%	0.10%
Checking	0.10%	0.10%

BECU Checking Features & Benefits

• No monthly fee to maintain account
• No minimum balance required

View more benefits

BECU Gold Debit Cards

Enjoy Gold benefits and free fraud monitoring protection with the BECU Gold Debit MasterCard®. We also offer a University of Washington design Gold Debit MasterCard. Learn more.

Identity Theft Protection

Protect yourself from ID theft with the Deluxe Provent^sm Identity Theft Protection Program. This tiered program will provide you with expert personal assistance should identity theft occur and proactive online services to help monitor your identity. Once enrolled, you will have your own personal online dashboard to monitor and track your identity. Learn about Deluxe Provent^sm.

BECU Savings Accounts have great rates with no fees to maintain your account, and you’ll like the convenience of “anywhere banking” with free online, mobile and telephone banking. By opening a savings account with as little as $5, you are establishing membership with BECU and can take advantage of all that the credit union has to offer.

Member Advantage Savings

A Member Advantage Savings Account rewards you with a premium rate on the first $500 when you enroll in Member Advantage. With Member Advantage, you’ll enjoy additional benefits, such as better earnings on CDs, IRAs and Money Market accounts, cash back on auto loans, along with lower rates on home equity fixed rate advances, boat and RV loans. Learn More.

Member Share Savings

BECU Member Share Savings Account earns our current standard posted rate—which typically is higher than what you’ll find at most big banks.

Early Saver Accounts

With a premium rate on the first $500, kids and teens can quickly learn the power of saving with our Early Saver Account. Any member under age 18 can open an Early Saver with a $5 minimum opening deposit.¹

Savings APY* effective 02/01/2012
	$0-$500	$500.01+
Member Advantage Savings   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	6.17%	0.15%
Savings	0.15%	0.15%
Early Saver Savings	6.17%	0.15%

BECU Savings Features & Benefits

• Free Online Banking and eStatements²
• No monthly fees to maintain your account

View more benefits

If your savings account balance is higher than $10,000, transferring that money to a BECU Money Market Account could earn you a higher rate—plus, there’s no monthly fee to maintain the account.

Enjoy Greater Benefits with Member Advantage

With Member Advantage at BECU, you may enjoy additional benefits, such as better earnings on Money Market, CD and IRA accounts, cash back on auto loans, along with lower rates on home equity fixed rate advances, boat and RV loans. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts when you enroll in Member Advantage. Learn more.

Money Market APY* effective 02/01/2012
	$10,000 - $49,999.99	$50,000 - $99,999.99	$100,000 +
Money Market w/ Member Advantage   Here's how to qualify for Member Advantage: Open checking and savings accounts Sign up to receive eStatements Make a monetary transaction each month using one of these free and convenient electronic services: Debit MasterCard®: Make purchases online, over the phone and in person Online Banking or Telephone Banking: Make BECU loan or Visa® payments, or transfer funds between BECU accounts Bill Payment: Pay utilities, credit cards, businesses or individuals Direct Deposit: Receive a recurring monthly direct deposit from your paycheck or other monthly income into your BECU checking account	0.40%	0.45%	0.50%
Money Market	0.15%	0.20%	0.25%

BECU Money Market Features & Benefits

• Free Online Banking and eStatements
• Free checks

Get More With BECU Gold Debit Cards

BECU's Gold Debit Cards have no monthly service charges and are free with every BECU checking account. The cards come with additional Gold benefits at no cost, and can be used worldwide everywhere debit MasterCard® is accepted. It's a better option than check and cash transactions—use it in-person, online and by phone with ease.

BECU Gold Debit MasterCard®
When you have a BECU checking account, you enjoy Gold benefits every time you use your BECU Gold Debit MasterCard.

UW Gold Debit MasterCard®
Show school pride and enjoy all the same benefits of carrying a BECU Gold Debit MasterCard. View our video with some famous UW alums you may know.

Gold Benefits

• Extended time and coverage on your original manufacturer or U.S. store brand warranty
• 60-day price protection on purchases
• 90 days of insurance for theft, damage or loss of purchases
• Emergency roadside assistance service in the U.S.
• Travel assistance services

Additional Benefits

• Free fraud monitoring protection
• Protection against unauthorized online purchases with CardProtect – MasterCard SecureCode
• Discounts and special offers from MasterCard MarketPlace^TM