Personal Checking

Personal Checking


Our debit card (also known as a check card) is a safe, fast way to make purchases. Enjoy:EZ Check Card

  • No annual fee
  • Cash-back in the check-out line
  • No interest charge
  • Convenience
  • Free, unlimited transactions at BHFCU-owned ATMs
  • Six free withdrawals/transfers a calendar month at any Surcharge-Free-Co-Op ATM locations worldwide
  • Travel Accident Insurance

If you're traveling soon, please visit Privacy and Security for information on protecting your cards. 

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Checking Rates

Account Type

Minimum Opening Deposit

Minimum Daily Balance Required to earn APY


Dividend Rate

FREEdom Checking




Non-dividend Bearing

Ultimate* Checking





*Dividends compounded and credited monthly. An initial deposit of $5.00 and an automatic deposit of $5.00 biweekly or $10.00 monthly will allow you to open the account. $1,500 Minimum Daily Balance required to avoid a monthly fee

FREEdom Checking

  • No monthly fee
  • No minimum balance
  • Free EZ CHECK Card
  • Free Direct Deposit
  • Federally insured to at least $250,000 by the NCUSIF

Ultimate Checking*

  • $1,500 minimum balance to earn dividends (earned daily, paid & compounded monthly)
  • Monthly fee of $7.50 if balance falls below $1,500
  • Free first order of custom checks
  • Free EZ CHECK Card
  • Free Direct Deposit
  • Free notification of transfers from savings or line of credit loan
  • Free cashier's checks
  • Federally insured to at least $250,000 by the NCUSIF

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To reorder checks, please login to Online Banking and select the Self Service tab.

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