We put you first, listening to your feedback about the kinds of accounts you want. Browse the details below, call, or stop in at a branch to get all your questions answered. There’s something for everyone, from free checking to interest-earning accounts.
FOUNDATION CHECKING
Minor Account for ages 0-19
| Minimum to Open | $25.00 |
| Minimum Balance | $0.00 |
| Earns Dividends | Yes (refer to rate sheet) Dividends compound monthly2 Dividends period: Monthly |
| Monthly Fee | $0.00 |
| Other Benefits | > Eligible for Debit Card > $0 NSF fee > Checking dividend up to $5,000 max balance > Rewards on deposit products |
2 Dividends are calculated daily and paid monthly.
Rates are subject to change at any time. Balances that fall below the minimum balance required to earn interest will not earn dividends and may incur a monthly fee, which may reduce account earnings. Rates may change after the account is opened. Please refer to your Personal Account Agreement and Truth-in-Savings Disclosures for complete information, including transaction limitations on
savings accounts.
STEWARDSHIP CHECKING
| Minimum to Open | $25.00 |
| Minimum Balance | N/A |
| Earns Dividends | No |
| Monthly Fee | $9 |
| Other Benefits | > Debit Card > 1 free cashier check per month > 4 BTCU ATM fee refunds per month > $0 NSF fee |
Please refer to your Personal Account Agreement and Truth-in-Savings Disclosures for complete information, including transaction limitations on savings accounts.
PERFORMANCE CHECKING
| Minimum to Open | $25 |
| Minimum Balance | $15,000 combined Loan/Deposit Balance to avoid monthly service fee |
| Earns Dividends | Yes (refer to rate sheet) Dividends Compounded monthly2 Dividends period: monthly |
| Monthly Fee | $20 |
| Other Rewards | > Debit card > 2 free cashier checks per month > 6 BTCU ATM fee refunds per month > Consumer loan discount > Time deposit benefit |
2Dividends are calculated daily and paid monthly.
Rates are subject to change at any time. Balances that fall below the minimum balance required to earn interest will not earn dividends and may incur a monthly fee, which may reduce account earnings. Rates may change after the account is opened. Please refer to your Personal Account Agreement and Truth-in-Savings Disclosures for complete information, including transaction limitations on
savings accounts.
FREE CHECKING
| Minimum to Open | $25 |
| Minimum Balance | N/A |
| Earns Dividends | N/A |
| Monthly Fee | None |
| Other Rewards | > No monthly service fee > Debit card |
Please refer to your Personal Account Agreement and Truth-in-Savings Disclosures for complete information, including transaction limitations on savings accounts.
Every checking account comes with these handy tools.
Debit Card – FREE WITH CHECKING
With the BTCU MasterCard Debit Card, you can pay for purchases and get cash at ATMs. Plus, get an instant replacement when you stop by our Maple Grove branch.
MoneyPass ATMs – FREE
Get cash with your BTCU MasterCard Debit Card at more than 25,000 MoneyPass ATMs nationwide, surcharge-free.
Pocket the Change – FREE
Enroll your checking account in our automatic savings program called Pocket the Change. Each time you make a purchase with your Debit Card, we’ll round your purchase up to the nearest dollar and transfer the difference from your checking to your savings account.
Mobile Banking – FREE
Download the BTCU Mobile App for Android or iPhone from your app store.
Mobile Deposit – FREE
Deposit checks from your mobile phone using the BTCU Mobile App. Download it from your app store.
Online Banking – FREE
For direct access on your computer visit www.buildingtradesCU.com.
Bill Pay – FREE
Pay bills directly from your accounts. Pay a company or a person. Schedule recurring or one-time payments.
Telephone Banking – FREE
No smartphone? No problem. Just call 1-855-672-7087 for account info. You can even request a check to be mailed to your address on file.
Text Banking – FREE
Let your fingers do the banking with our It’s Me 247 Text Banking. You can enroll in Text Banking by clicking on the “Go Mobile” button on the It’s Me 247 toolbar. Then select Text Banking Home to access the enrollment screens. Once enrolled, simply text commands to IM247 (46247).
Open Your Account
Already a BTCU Member? Login to Online Banking to open your account today!
Become a Member
Are you ready to become a BTCU member? Click below to complete our online application.
Find an ATM near you.
With more than 25,000 ATMs nationwide, MoneyPass is one of the largest surcharge-free networks in the nation. To find one near you, seach here: ATM Locator or download the MoneyPass ATM Locator app from your app store today!
Want Checks?
Get the ease and convenience of ordering checks online through Deluxe.