Free checking and high yield savings belong together.

Earn up to $150 with a new  Free Checking account¹

✓Match first ACH up to $50

✓Refund payments using bill pay up to $50

✓Refund debit card purchases up to $50

.50% Saving Account Bonus =  3.75% APY²

Meet ONE of the following each month:

✓ACH into your  Free Checking account
✓Make a payment using bill pay from your Free Checking account
✓A debit card purchase (Point of Sale) from your Free Checking account

Account Features:

  • Requires an iSAVE Savings Account
  • No minimum balance requirement
  • Identity Theft Protection
  • Credit monitoring
  • Access to over 30,000 surcharge free ATM’s
  • Free Visa debit card
  • Free first box of checks
  • 24/7 account access with online and mobile banking
  • Bill-pay
  • Remote deposit capture
  • Apple Pay
  • Samsung Pay

Open An Account Today!

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Apply here

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Fully Managed Identity Theft Protection

  • Research
  • Remediation
  • Credit Monitoring
  • Recovery Services
  • Lost Document Replacement
Overdraft Protection

Overdrafts happen, that’s why we offer two programs to help you avoid unintentional overdrafts (Overdraft Protection and Courtesy Pay). All you have to do is opt into either program and we’ll take care of overdrafts in the future.

Overdraft Protection*
  • You can opt into free Overdraft Protection at any time. This will allow us to transfer money from your BHCU share account to avoid overdrafts from check or debit card purchases.
Courtesy Pay*
  • Using Courtesy Pay allows BHCU to cover checks, electronic payments, debit card purchases, and transfers that won’t clear due to Non-Sufficient Funds (NSF), so you won’t have to worry about declined transactions. A $25 fee will be charged for each covered item.

¹BHCU will match up to $50 of member’s first ACH (Direct Deposit of Net Pay or a payroll allotment) that posts to the iSAVE Free Checking account within 30 days of opening. BHCU will refund up to $50 of member’s first payments using BHCU bill pay from the iSAVE Free Checking account within 30 days of opening. BHCU will refund up to $50 of all debit card purchases (excludes ATM withdrawals) that post to the iSAVE Free Checking account within 30 days of opening. All credits will be posted to the iSAVE Free Checking account within 90 days of account opening. This promotion is subject to change or termination without notice. Must be 18 years old to participate. Existing BHCU checking account holders are excluded from $150 offer. Federally Insured by NCUA

²APY is Annual Percentage Yield effective July 1, 2024 and is subject to change. ²An ACH, bill pay, or debit card purchase must be performed each month in the iSAVE Free Checking account to receive a monthly iSAVE (savings) account bonus. The current iSAVE (savings) account rate is 2.750% APY. Federally Insured by NCUA

*Courtesy Pay Disclosure – BHCU will have the discretion to pay overdrafts (ACH, Check or Automatic Bill Payments), subject to the limit of your Courtesy Pay privilege. In order to have Courtesy Pay privilege provided to your Debit Card/POS transactions BHCU is required to have an Opt In request on record. Participating members Courtesy Pay limit is $800, including fees at any given time. Credit Union fee to honor each overdraft item is $25.00. Once an account remains in an overdraft status for more than 7 consecutive days, a $4.00 penalty fee is assessed each day until the account is brought current. Once an account is overdrawn for 14 consecutive days, the Courtesy Pay privilege is rescinded. Once an account has reached 60 consecutive days overdrawn, the account will be charged off. The total of the discretionary Courtesy Pay privilege (negative) balance is due and payable upon demand. While BHCU will have the discretion to pay overdrafts on an account, any such payment is a discretionary courtesy, and not a right of the member or an obligation of BHCU and BHCU in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause.

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