Checking and Savings

Open an Account

Checking & Savings

checking and savings rates

APY Effective 10/1/2017*

4.07
%
APY

Member Advantage Checking

Up to $500

6.17
%
APY

Member Advantage Savings

Up to $500

See Account Disclosure for details

Great Rates + No Hidden Fees = A Better way to Bank

We're not like banks; we're a community-based credit union. We give our members a better way to bank. Our personal checking and savings accounts offer benefits most traditional banks just can't, like higher interest rates, and no minimum balance required.


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.

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.

Earn better rates with Member Advantage

You'll earn premium rates on the first $500 you deposit into both your checking and savings when you enroll in Member Advantage. 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.

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

Free Online Banking
Free Bill Payment
Free eStatements
Federally Insured up to $250,000 3
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.

3Based on account ownership status and account type.

Member Advantage Savings 4 Savings Early Saver 5
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 6

$0

$0

$0

Free Online Banking
Free eStatements
Federally Insured up to $250,000 7
Debit Card with Fraud Monitoring Protection 8

N/A

4Limit one Member Advantage Checking and Savings Account per person, eligibility and benefits subject to change.

5Limit 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.

6To open a Checking Account, you must establish membership by opening a Member Share Savings, Member Advantage Savings, or an Early Saver Account.

7Based on account ownership status and account type.

8Required 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

Sounders FC Debit Mastercard 

Get the official card of Sounders FC, MLS Cup Champions. Designed by fan (and BECU member) Christine O, this card comes with flashbacks to the happiest night in Sounders FC history. Exclusively from BECU. Learn more about the official Sounders FC debit card.

Sounders 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.

9To 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.

10Mobile and internet carrier charges may apply for Online and Mobile Banking usage.