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Home - Baylands Family Credit Union

Everyday Checking

Easy Access. Everyday Ease

Our Everyday Checking Account is designed for your daily life—simple, convenient, and stress-free. Enjoy a basic checking account, no monthly maintenance fees, and easy access to your money through online banking, mobile deposit, and nationwide ATMs. Whether you’re paying bills, shopping online, or managing your budget, this account helps you stay in control every day.

  • No minimum balance
  • Free Monthly E-statements
  • 24/7 account access via Online & Mobile App Banking 
  • A Contactless BFCU Visa® debit card
  • Overdraft protection options  
  • Access to Bill Pay & Remote Deposit Capture

Features on All BFCU Checking Accounts

Icon depicting a dollar being deposited into a bank account.

Direct
Deposit

Streamline your finances with direct deposit to ensure timely and secure access to your funds.

Icon depicting a mobile phone alerting the user of a transaction that has taken place.

Transaction Alerts

Monitor your spending, detect unauthorized transactions, and manage your finances efficiently.

An icon depicting an ATM that can be found on the Nationwide ATM Network

Nationwide ATM Network

Shared branching provides access to, over 30,000 surcharge-free ATMs nationwide.

An icon depicting a mobile wallet feature we offer.

Mobile
Wallet

Connect your BFCU VISA Debit Card to your preferred mobile wallet (Apple Pay, Google Pay or Samsung Pay.)

Ready to get started and open a BFCU Everyday Checking Account

Apply online or visit a local branch, and we’ll have you up and running in no time. Here’s what you’ll need to bring to open your account:

  • A valid driver’s license or state ID
  • Proof of your current address, such as a pay stub or utility bill
  • Your Social Security number (if you’re under 18 or don’t have established credit, bring the actual card, not just the number)
  • At least $5 for your prime savings account deposit (if you’re not already a member)
  • Opening a joint account? Each person should bring their own ID.
  • Opening a business account, call and speak with a staff member about requirements

I’M READY TO APPLY

Note: APY = Annual Percentage Yield. Dividends are compounded daily and credited monthly based on the average daily balance method. You must satisfy all of the requirements in our Truth in Savings disclosure during each qualification period to obtain the qualifying percentage yield. ATM fees may be refunded up to $25.00 on qualified accounts. If you close your account before accrued dividends have been credited to your account, all accrued dividends will be forfeited. Fees may reduce earnings. No minimum balance required, although $5 must be deposited into a Prime Savings Account in order to open a Grow Green Account. Balances over $15,000 earn .05% APY. If requirements are not met, the APY on all balances will be .05% APY and normal ATM fees will apply. This rate is effective as of 4/1/2023 and is subject to change. See Member Service Representative for additional disclosures.