BECU Checking

Our free checking has no maintenance fees, and no required minimum balance.

Open an Account

Checking Rates

APY Effective 10/1/2019*


Member Advantage Checking

Up to $500



See Account Disclosure for details

When we say free, we really mean it: no monthly maintenance fees, no minimum balance requirements, and much more.

Checking Benefits & Features

BECU offers two different free checking accounts. Both offer:

Member Advantage Checking2

Our free Member Advantage Checking Account boasts 4.07% APY on the first $5003 and many other popular benefits, including:

Qualifying for a Member Advantage Checking & Savings account is easy2 

  1. Sign up to receive monthly eStatements 
  2. Make at least one free electronic transaction per month5. This can be as simple as depositing your paycheck via auto deposit, paying a bill online, or using your debit card.
  3. Open Member Advantage Savings Account2. Member Advantage Checking accounts include Member Advantage Savings.

Member Share Checking2

Not sure if you will use your checking account every month, but still want to take advantage of no monthly fees or minimum balance requirements?  Then this BECU Checking Account is the one for you. 

  • .05% APY

  • No Monthly Maintenance Fees

  • No Minimum Balance 

  • Free Online Banking with bill pay service

  • Debit Mastercard with fraud protection 

  • Federally Insured up to $250,0001

  • Member Share Savings Account required2

How to Open an Account

Getting set up with your account is fast, easy, and free2.

Debit Mastercard Benefits and Designs

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.

UW Debit Card
BECU University of Washington Debit Card
Debit Card
BECU Debit Card
WSU Debit Card
BECU Washington State University Debit Card


When it comes to finances, we're all in it together. BECU is a member-owned credit union, not a bank, 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. 

Related Products

1Based on account ownership status and account type.

2To 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.

3Rates stated as Annual Percentage Yield (APY), effective 9/1/2019 and are subject to change. Earn 4.07% APY on the first $500 in your Member Advantage checking and 0.5% APY on checking balances over $500. Fees may reduce earnings. Member Advantage savings account required to establish membership.

4Refund 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 in 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 $6.

 5Qualifying transactions include: Debit Mastercard: Make purchases online, over the phone and in person, Online 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.

60.20% 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.

7Certain restrictions, conditions and limitations apply. More detailed information on these benefits can be found in the MasterCard Guide to Benefits.