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See more about Checking and Savings

Member Advantage Checking & Saving

Isn't it Great When You Can Get a Little Advantage?


Member Advantage Checking and Savings accounts reward you with a premium rate on the first $500 when you enroll in Member Advantage. With Member Advantage, you'll also enjoy better earnings on CDs, IRAs and Money Market Accounts. What's more, members with our Member Advantage accountholders are refunded for out-of-network ATM fees (up to $6 a month).

Member Advantage features and benefits

  • Earn a higher rate on the first $500 in both the Member Advantage Checking and Savings*
  • Earn higher rates on CD, IRA and Money Market Accounts
  • No monthly fees to maintain the accounts
  • Out-of-network ATM withdrawal fees (up to $6 a month)**
  • Free Online Banking, Bill Payment and eStatements
  • Debit Mastercard® with Fraud Monitoring Protection
  • Federally insured up to $250,000***

Here's how to qualify for Member Advantage:****

  1. Open your BECU checking and savings accounts

  2. Sign up to receive monthly eStatements

  3. Make a transaction each month, using just one of our free and convenient electronic services

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

Ready to get started?

Need more information? Just visit any BECU Neighborhood Financial Center, and we'll answer all of your questions.

Make an appointment

*Limit one Member Advantage Checking and Savings Account per person.

**Refund 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.

***Based on account ownership status and account type

****Member Advantage eligibility and benefits subject to change. Business and fiduciary accounts are not eligible for Member Advantage. Limit one Member Advantage Checking and Savings account per person.