PowerPlus™ Checking
Earn up to $745*!
High Yield Checking Account
PowerPlus Checking offers rates up to 8.00% APY*, nearly 99 times higher1 than rates at national big banks.
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Limited-time on balances up to $15,000 |
Limited-time on balances up to $15,000 |
| Benefits | |
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4.00% APY* on balances up to $15,000 |
1.00% APY* on balances up to $15,000 |
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0.01% APY on balances over $15,000 |
0.01% APY on balances over $15,000 |
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Up to $20 per month in ATM fee refunds* |
Up to $10 per month
in ATM fee refunds* |
| Monthly Qualifications | |
| $3,000 made via direct deposit or Deposit Anywhere | $1,000 made via direct deposit or Deposit Anywhere |
| 30 qualifying transactions | 15 qualifying transactions |
| Enroll in eStatements | Enroll in eStatements |
Why BCU?
Unlike a bank, the Credit Union is a not-for-profit organization, dedicated to empowering your discovery of financial freedom. That’s why you’ll find better rates, fewer fees (and no fees when possible), higher earnings, and more innovative products and services than you’d get at other financial institutions.
BCU is one of the nation's Top 100 credit unions, serving over 360,000 members in the United States and Puerto Rico. You’re just moments away from a better way to bank. Join today!
Dividend Calculator
See how much you could earn with a premium checking account
Actual earnings will vary, based on balance amount and monthly qualifications. Level 1 earnings are at 1.00% APY and Level 2 at 4.00% APY.
Qualifications Checklist
Easily track your qualifications progress within Digital Banking with the PowerPlus™ Checking Tracker Tool.
- Direct Deposit: Make at least $1,000 in direct deposits for Level 1 and $3,000 or more for Level 2.
- Qualifying Transactions: Make 15 qualifying transactions for Level 1 and 30 for Level 2.
- eStatements: Sign up for paperless statements in Digital Banking.
Support Videos
Frequently Asked Questions
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What is a qualifying transaction?
Qualifying transactions include BCU debit or credit card purchases, online bill payments, ACH payments or payments to BCU loans.
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What is the introductory offer?
Memberships opened with a PowerPlus Checking between July 1, 2024 – December 31, 2025 will automatically receive the introductory offer. During the introductory period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY on balances up to $15,000. The account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY.
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Is there a penalty if I don't meet the qualifications?
If you don't meet the qualifications, don't sweat it. You won't be penalized, and will continue to enjoy no minimum balance requirements or monthly maintenance fees as well as easy access to your account.
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Will BCU inform me of what level I qualify for?
For the most current information on your level qualification status, please log into Digital Banking and navigate to the PowerPlus™ Checking tool on your Dashboard.
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How do I switch my direct deposit?
The Switch Direct Deposit tool in Digital Banking removes the hassle of contacting your employer. Learn more.
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How do I go paperless and enroll in eStatements?
First, log into Digital Banking. From your Dashboard, select Menu, then View Documents. Then, select Paperless Settings and checkmark all or “Statements” to qualify. Go green to get the green!
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What if my direct deposit fluctuates monthly?
We’ve got you covered. We’ll review your direct deposit requirement on a monthly basis, and you may fluctuate from Level 1 or Level 2 automatically. If depositing a check from another financial institution is an option via Deposit Anywhere, this qualifies, too
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What if I no longer qualify to earn a dividend?
Whether or not you qualify for a level and earn a dividend, you will not be charged a minimum deposit or monthly maintenance fee. We’re here to help you earn to your highest potential. Call us at 800-388-7000 or schedule an appointment with one of our certified Goal Consultants to determine opportunities for you to save or earn more.
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Disclosure
*This offer cannot be transferred to another membership. The 3-month introductory period begins 11/1/2025 and ends 2/28/2026. During the 3-month introductory period Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY. 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. To achieve Level 1, you must have monthly direct deposits totaling at least $1,000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions. To achieve Level 2, you must have direct deposits totaling at least $3,000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least thirty (30) qualified transactions. Qualified transactions include any combination of the following: BCU Debit and Credit card transactions (purchases and payments), Online Bill Pay or ACH payments, BCU Zelle transactions, paper and electronic check payments, and BCU loan payments (credit card, loan, and mortgage) which will apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees and will not be eligible for the increased APY offer during the introductory period.