free checking

We think everyone deserves a better deal. As a not-for-profit, member-owned credit union, we put our members first. That's why we offer free checking to all our members. Find the services, features and technology you want, all for the price that some financial institutions can't compete with: $0.

BECU Free Checking:  When we say free, we mean free.

  • Monthly Maintenance Fee: $0
  • Minimum Balance: $0
  • Opening Deposit: $0
  • Overdraft Fee: $25
  • NSF (Insufficient Funds): $25
  • Online Banking Budgeting Tool: Yes
  • External Transfers: Yes
  • Mobile Banking Check Deposit: Yes
  • Mobile Banking Check Balances and Transfer Money: Yes

The Credit Union Difference

How is a credit union different from a bank? Banks collect profit to pay shareholders. Credit unions are not-for-profits, and return money back to members in the form of better rates and fewer fees.

Credit Unions vs. Banks

Come on in

Our banking model isn't the only thing that's different – our financial centers break the mold, too. Because we want to return as much value to our members as possible by lowering the costs of banking, most of our centers don't handle cash. Instead, we've invested in technology such as Online, Mobile, and ATM Banking so most transactions can be done at your convenience—anywhere, anytime.

Stop in or give us a call 800-233-2328. With 50+ locations and growing, chances are, we're nearby.

Opening an account is easy

Ready to open an account and become a BECU Member? We can help you make the switch – join online in minutes. Or, visit us in person (we love chatting with members). We even put together an easy-to-follow kit to guide you through the process. Remember, if you have any questions, reach out! Today is your first day as a BECU member. We're excited to make it a great one.

Download the BECU Switch Kit

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