Global Client Services
Moving to another country can be difficult, but banking doesn’t have to be. Your Credit Union offers exclusive perks and dedicated support for expats relocating to or from the U.S.
Here Today For Your Tomorrow.
The Credit Union is ready to support you every step of the way!
With us, you’ll get special benefits:
- 30,000 surcharge-free ATMs to deposit and withdraw cash from your account
- High dividends with a PowerPlus™ Checking account
- Paycheck up to two days early with direct deposit*
- Quick decisions and preferred rates on auto loans and credit cards
- No foreign transaction fees on eligible Visa® Signature cards
- Discounted closing costs1 on home loans
- Leading security practices to safeguard your information
Relocate in three easy steps:
Submit your name, email, and employer name, and a specialist will be in touch to help you open and fund your accounts.
Once you arrive, stop by your Credit Union to pick up your new debit card or have it conveniently mailed to your new home or business address.
Once you have your Social Security number, you’ll be eligible to apply for loans such as credit cards, auto loans, personal loans, and personal lines of credit.
We're here for you every step of the way
From banking to relocation support, your Credit Union and dedicated Relationship Manager are committed to helping you achieve financial success.
Priority Access
• Open checking and savings accounts up to 30 days before arriving in the US or abroad
• Manage your money 24/7 with Digital Banking access
• Send free international wire transfers for the first 18 months
Checking
• Earn high dividends with a PowerPlus™ Checking account
• Get your paycheck up to two days early with direct deposit*
Auto Loans & Credit Cards
• Receive quick decisions and preferred rates on auto loans and credit cards
• Enjoy no foreign transaction fees on eligible Visa® Signature cards1
• Take advantage of special offers for new cardholders
Home Loans
• Receive discounted closing costs2 on home loans
• Get pre-approved without a Social Security number
• Apply through a Dedicated Corporate Relocation Loan Officer, no credit score required
Once A Member, Always A Member
Eligible products and services
As an employee relocating to the US or abroad, you’re eligible for Credit Union products and services.
Savings and CDs
Accounts designed to help you maximize your money potential.
PowerPlus™ Checking
High-yield checking account with no monthly maintenance fees.
Credit Cards
Packed with features and benefits to boost your purchasing power.
Auto Loans
Get to where you’re going for less with low rates.
Personal Loans
Fast and flexible loan solutions designed to fit your life.
Digital Banking
Access your money whenever and wherever.
Interested in learning more about the Global Client Services program?
Please email us including your full name, current employer, and indicate where you are relocating from.
We look forward to assisting you and will respond to your inquiry as soon as possible.
Frequently Asked Questions
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What is a credit union?
A credit union is a not-for-profit, cooperative financial institution owned by its members. Credit unions offer the same services as banks, but the profit cycles back to members instead of stockholders. As a result, members benefit from higher earnings on deposit accounts, lower rates on loan products that typically have lower to no fees—bringing savings to the entire membership.
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What is the Global Client Service program?
The Global Client Service program, launched at BCU in August 2009, was created to support employees of our Company Partners as they relocate for work. A Global Relationship Manager connects with employees before their move to help them prepare financially, including assistance with opening necessary accounts and establishing credit upon arrival.
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Who can join?
US and Puerto Rico employees, contractors, temps of partner companies and their extended families nationwide are eligible for credit union membership. See if you qualify based on one or more of the following criteria:
Employment-based eligibility: You are a permanent, temporary or contract employee of one of the several elite employer groups offering the Credit Union’s services as a valuable employee benefit.
Community-based eligibility: You live or work in one of six local community charter counties: Lake, McHenry, DuPage, Kane or Cook (north of 95th Street on the south side of Chicago) County in Illinois, or Kenosha County in Wisconsin.
Family-based eligibility: You are the immediate or extended qualifying family of an existing member related by blood, marriage, fostering or adoption. Eligible family members include: spouses, parents, children, siblings, domestic partners, grandchildren, grandparents, aunts, uncles, nieces, nephews, and cousins.
Life. Money. You.® eligibility: You are a subscriber of the Life. Money. You.® Financial Well-Being program. -
What kind of benefits does BCU offer for employees of our Company Partners relocating to the US?
Priority Access
• Open checking and saving accounts up to 30 days before arriving in the US
• No Social Security Number (SSN) needed at account opening1
• Send free wire transfers for the first 18 months
• Be assigned a Dedicated Relationship Manager for personalized financial guidance.
Checking & Debit Cards
• Earn High dividends with PowerPlus™ Checking2
• Get your paycheck up to two days early with Direct Deposit3
• No BCU ATM fees in the US or abroad for 18 months
Auto Loans & Credit Cards
• Quick decisions and preferred rates – even with limited to no US credit history
• No foreign transaction fees on eligible Visa® Signature Cards4
• Special new cardholder offers available (must apply through your dedicated Global Relationship Manager)
Home Loans
• Discounted Closing Costs5
• Pre-approval without SSN available
• No credit score required to obtain a home loan
• Must apply through BCU Dedicated Corporate Relocation Loan Officer
1. New Members without a Social Security Number (SSN) will sign a SSN Requirement Form. SSN must be provided to BCU within six weeks of account opening to maintain credit union membership.
2. PowerPlusTM Checking is available as a personal account only and is limited to one account per member. To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $20.00 per month, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, Level 1 ATM surcharge fees are covered up to $10.00 per month and Level 2 ATM surcharge fees are covered up to $20.00 per month. For complete details see the Product Feature, Service Charge and Fee Disclosure in the Consumer Member Service Agreement. PowerPlusTM Checking is a trademark of BCU.
3. Direct deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to two days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on direct deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.
4. Visa Signature is only available for Travel Rewards+ Visa and Cash Rewards Visa Cardholders with a credit line of $5,000 and greater.
5. Certain mortgage types and/or terms may not be eligible for the closing cost discount. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.View current rates and disclosures.
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Disclosure
*Direct deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on direct deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.
1. Offer as of xx/xx/xxxx. To be eligible for the GCS Program, BCU to validate the Company Partner’s relocating transferee’s purchase benefits per the employee’s Company policy. The Relocation Program and Relationship Pricing Rate Discount may be eligible to be combined, however Relocation program loans may not be combined with any other home loan promotional mortgage offers. Certain mortgage types and/or terms may not be eligible for the Relocation Program. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.