Online, Mobile and Telephone Banking will be unavailable for planned system maintenance Sunday, 4/22 from 12:00 AM until approximately 6:00 AM. We apologize for any inconvenience this may cause.

Checking and Savings

Open an Account

Checking & Savings

checking and savings rates

APY Effective 4/1/2018*

4.07
%
APY

Member Advantage Checking

Up to $500

6.17
%
APY

Member Advantage Savings

Up to $500

See Account Disclosure for details


BECU Checking. When we say 'free' it is.

BECU checking accounts are free of monthly maintenance fees, with no minimum-balance requirements. You can also manage your accounts from just about anywhere, with:

With your checking account, you'll also get a free Debit Mastercard® with Mastercard Zero Liability Protection.

Earn Better Rates with Member Advantage

Want to earn our best rates on the first $500 you deposit into both your checking and savings? It's easy! Just be sure your accounts are enrolled in Member Advantage.  Doing so is simpler than you think, and it helps you earn higher interest—plus you'll get better earnings on your CDs, IRAs, and Money Market accounts. Learn more  about Member Advantage.

So, how does $6 out-of-network ATM Fee refund work? 

Let's say, in the space of a couple weeks, you rack up three different fees:  

  1. $2 ATM withdrawal fee made by your joint accountholder on your Member Advantage Checking;
  2. $3 ATM withdrawal fee on your Member Advantage Checking;

  3. $4 ATM withdrawal fee on your Member Advantage Saving.

That's $9 in fees. Since BECU happily refunds qualifying accounts up to $6 a month, you'll see a $2 refund for the first withdrawal, $3 refund for the second withdrawal and a $1 refund for the third withdrawal; totaling $6. 

Important note: If you share your account with another person, your maximum fee reimbursement will still be $6.


BECU Savings Accounts 

When you open a BECU Member Share savings account, you become a member and can start enjoying the benefits of belonging to one of the leading Credit Unions in the country.

Overdraft protection

We all make mistakes once in a while, and unfortunately, they occasionally happen when we're balancing our checkbooks. That's why we offer our members overdraft protection for checks, Automated Clearing House (ACH), Online Bill Payment, and debit card purchases. Learn more about Overdraft Services.

Member Advantage Checking Checking
Higher rate on the first $500

N/A

Better rates on other
products 1

N/A

Monthly fee to maintain account

$0

$0

Minimum Balance 2

$0

$0

Refunded out-of-network ATM fees (up to $6) 3
N / A
Free Online Banking
Free Bill Payment
Free eStatements
Federally Insured up to $250,000 4
Debit Card with Fraud Monitoring Protection

1Higher rates may be earned on deposit products.

2To open a Member Advantage Checking Account, you must establish membership by opening a Member Advantage Savings Account or Member Share Savings Account.

3Refund 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 deposited into the Member Advantage account of withdrawal. A maximum of $6 per month will be refunded on the Member Advantage relationship and all associated Member Advantage accounts.  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.

4Based on account ownership status and account type.

Member Advantage Savings 5 Savings Early Saver 6
Higher rate on first $500

N/A

Better rates on other products

N/A

N/A

Monthly fee to maintain account

$0

$0

$0

Minimum Balance 7

$0

$0

$0

Refunded out-of-network ATM fees (up to $6) 8
N / A
N / A
Free Online Banking
Free eStatements
Federally Insured up to $250,000 9
Debit Card with Fraud Monitoring Protection 10

N/A

5Limit one Member Advantage Checking and Savings Account per person, eligibility and benefits subject to change.

6Limit one Early Saver Account per person, may not be older than 18 years old, Online Banking and eStatements are not available to anyone under 13 years old, eligibility and benefits subject to change.

7To open a Checking Account, you must establish membership by opening a Member Share Savings, Member Advantage Savings, or an Early Saver Account.

8Refund 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 deposited into the Member Advantage account of withdrawal. A maximum of $6 per month will be refunded on the Member Advantage relationship and all associated Member Advantage accounts.  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.

9Based on account ownership status and account type.

10Required a Checking Account.

Debit Card Benefits and Card Design Options*

  • No foreign transaction fee** on international purchases or ATM withdrawals (the institution that owns the ATM might have additional fees)

  • Compatible with Android Pay, Apple Pay, Microsoft Wallet and Samsung Pay digital wallet apps

  • May double your original manufacturer or U.S. store brand warranty on purchases (up to 12 months)*

  • Provides limited price protection on purchases*

  • Refund up to $250 per product if you become dissatisfied within 60 days of purchase and the merchant will not accept a return*

  • Access to several identity theft resolution services
  • Free fraud monitoring protection

  • Protection against unauthorized online purchases with CardProtect-Mastercard SecureCode.

*Certain restrictions, conditions and limitations apply. More detailed information on these benefits can be found in the MasterCard Guide to Benefits at www.becu.org/debitcardbenefits.


**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.

BECU Debit Mastercard

Our traditional card design available to all BECU members, in BECU red. Show your BECU loyalty every time you pay.

Debit Card

UW Debit Mastercard 

Show your school pride every time you pay: BECU is proud to offer the official debit card of the University of Washington. Represent the dawgs while receiving the same great benefits as our traditional BECU Debit Mastercard. Collect the complete set by getting the matching UW Visa Credit Card.

UW Debit Card

Bank Anywhere with BECU

Banking at BECU is easy with access to your accounts from anywhere. There are several options available for accessing cash and making deposits, easy online, mobile and phone options for account management and many locations for in-person banking. Learn about all of the ways you can bank anywhere with BECU.

*APY = Annual Percentage Yield, rates subject to change, fees may reduce earnings; A Member Advantage Savings Account is required to establish membership. Checking account balances over $500.01 and above receive a rate of .05% APY. Savings Account balances over $500.01 and above receive a rate of .10% APY. See Account Disclosure for details.

**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.

10To 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.

11Mobile and internet carrier charges may apply for Online and Mobile Banking usage.

12Refund 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.