Open a share draft account and start managing your daily banking with BHCU. Enjoy:
- No minimum balance, all you need is $5 in your BHCU savings account
- Direct Deposit
- Online Bill Pay and in-house transfers as well as up-to-the-minute balance reports
- A fee-free ATM/Debit Card
- Choice of digital or paper monthly statements
- Overdraft privileges for a nominal fee
Top 3 reasons you should get a BHCU ATM/Debit Card
- No annual fees
- No transaction fees, ever
- You can use your card practically anywhere
It’s that simple. Apply for your BHCU ATM/Debit Card today using online banking.
|Share Draft||Dividend||A.P.Y. *|
|$0 - $2,499.99||0.000%||0.000%|
|$2,500 and over||0.250%||0.250%|
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 Once an account is overdrawn for 14 consecutive days, the Courtesy Pay privilege is rescinded.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.
Contact a member service representative for further information about applicable fees and terms. For variable rate accounts, the rate may change after the account is opened. A.P.Y. is Annual Percentage Yield effective June 15, 2017 and is subject to change.