Checking


Choose the Checking Account that is right for you. 

Premier Checking Account
Enjoy higher dividends on your deposits when you achieve the Global Rewards PLUS or OPTIMUM Level! At the PLUS level, balances of up to $10,000 will earn a premium rate, and when you reach the OPTIMUM level, your balances of up to $25,000 will earn an even higher dividend rate. To view the current Premier Checking Account rates, click here. You may find frequently asked questions about our Global Rewards program here.

GLOBAL REWARDS

The Membership Checking Account is truly free; there are no minimum balance requirements and no monthly fees. Get the flexibility you need without the expensive frills.

The Money Management Checking Account (MMCA) was designed for those members looking for the convenience of a checking account combined with the benefits of a higher yield. With the MMCA, your checking funds work harder for you all year long. If you typically maintain a minimum balance of $2,500 or more in your checking account1, switching to our MMCA is a smart move.


Ready to upgrade to our new premier checking account?


It's simple!

decorative image Send us a request via secure message using the Self-Service Menu within Digital Banking.
— Or —
decorative image Schedule an appointment with one of our Member Services Representatives at one of our branch locations.


We'll do the rest!

Table data for Checking Accounts
 
Global Rewards Premier Checking Annual Percentage Yield (APY)
Dividend Rate
Balance Cap
Minimum Opening Deposit
Alert Me
OPTIMUM level 0.05% to 1.50%1 1.50% Up to $25,000 None
0.05% Over $25,000 None
PLUS level 0.05% to 1.00%1 1.00% Up to $10,000 None
0.05% Over $10,000 None
CHOICE level 0.05% 0.05% None None
Account Type Annual Percentage Yield (APY)
Dividend Rate
Minimum Balance Required to Earn Dividends
Minimum Opening Deposit
Alert Me
Checking 0.05% 0.05% None None
Money Management Checking 0.00% 0.00% N/A $2,500.002
$2,500 to $9,999.99
0.05% 0.05% $2,500.00 N/A
$10,000 to $24,999.99
0.10% 0.10% $10,000.00 N/A
$25,000 to $49,999.99
0.15% 0.15% $25,000.00 N/A
$50,000 or greater
0.20% 0.20% $50,000.00 N/A
The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Checking, Money Management Checking and Global Rewards Premier Checking accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Money Management Checking, and Global Rewards Premier Checking accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Money Management Checking accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Global Rewards Premier Checking accounts, the applicable dividend rates and annual percentage yields will apply only to that portion of the account balance within the corresponding balance range as listed in the Rate Schedule. Refer to the Truth in Savings Disclosure for additional details pertaining to these tiered accounts.

1APY Range is based on a low and high balance scenario of $1.00 and $8,000,000.00.
2Minimum Balance to Avoid a Service Fee. Refer to the Truth in Savings Disclosure for additional details.

ATM Locations

BFSFCU maintains several full-service ATMs for your convenience. Please note that if our machines are unavailable due to scheduled maintenance, you may use the ATM locator to find the nearest surcharge-free ATM.

BFSFCU Mobile Deposit

Deposit a check with BFSFCU’s Digital Banking App. Remember to endorse the back of the check and write “For BFSFCU Mobile Deposit only”. Follow the instructions in our Digital Banking app to proceed with the deposit. 

Get MORE out of your BFSFCU Relationship

With our Global Rewards program you can enjoy more benefits on your everyday banking, including ATM transaction fee rebates.

The bigger your relationship with us, the higher the rewards.

Our Global Rewards program features three levels of ATM surcharge rebates:

  • CHOICE level -  up to $5 per month
  • PLUS level – up to $20 per month
  • OPTIMUM level – Unlimited

ATM rebates are just the beginning of the many valuable benefits that come with our Global Rewards program. Visit our Global Rewards page to learn more, or log in to Digital Banking to find out which rewards you qualify for.  

Learn More Frequently Asked Questions