Checking Accounts

At BTCU, we reward our owners (our members) with free checking accounts that earn interest when you use it, plus other great perks!

Earn a great rate and get ATM fee reimbursements with Reward Checking!

Minimum to open:	None
Minimum balance	None
Interest earned	0.60% APY* on balances up to $20,000 when you complete 15 point-of-sale transactions with your debit card and/or ACH transactions (debits or credits) during the month.
Monthly fee	None
Other Rewards	> Up to $8 ATM fee reimbursements per month
(when you qualify)	> Up to 5 free money orders per month
	> Up to 5 free cashier’s checks per month

^{*APY = Annual Percentage Yield. Dividends are calculated daily and paid monthly on balances up to $20,000. Balances over $20,000 do not earn interest. Rates are subject to change at any time. Balances that do not meet the minimum requirements will not earn dividends. 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. Please contact BTCU at 763-315-3888 for current rates.}

Want a premium rate? You got it
with Reward Checking Plus

Minimum to open:	None
Minimum balance	None
Interest earned	0.80% APY* on balances up to $20,000 when you complete 15 point-of-sale transactions with your debit card and/or ACH transactions (debits or credits) during the month.
Monthly fee	None
Other Rewards	> Up to 5 free money orders per month
(when you qualify)	> Up to 5 free cashier’s checks per month

^{*APY = Annual Percentage Yield. Dividends are calculated daily and paid monthly on balances up to $20,000. Balances over $20,000 do not earn interest. Rates are subject to change at any time. Balances that do not meet the minimum requirements will not earn dividends. 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. Please contact BTCU at 763-315-3888 for current rates.}

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.
 

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).