Checking Accounts | Everyday Banking

Find Your Fit

Checking Accounts Designed for You

Whether you want a simple, fee-free account or a premium interest-bearing checking account with global ATM rebates, we have an option tailored to your needs.

BCU Essential

Simple, stress-free daily banking.

$0

Monthly Service Fee

No minimum balance requirement
Get paid up to 2 days early with qualifying Direct Deposit
No overdraft fees with Nextintlequity Overdraft Assist℠
Access to 50,000+ fee-free ATMs

Open Essential Account

BCU Premier

Interest-bearing checking with elite perks.

$25 or $0

Waived with $5k combined balance*

Earn 1.50% APY on all checking balances
Unlimited non-BCU ATM fee rebates worldwide
Free standard checks and official cashier's checks
Priority 24/7 dedicated customer service line

Open Premier Account

BCU Private Wealth

Exclusive banking for high-net-worth clients.

$50 or $0

Waived with $150k linked balance*

Premium tiered APY rates on all balances
Zero fees on incoming/outgoing wire transfers
Dedicated Private Wealth Advisor assigned to you
Exclusive Nextintlequity Reserve Metal Debit Card

Explore Wealth Banking

* Combined balance includes linked qualifying Nextintlequity checking, savings, and investment accounts.

Standard with Every Account

The Digital Tools You Expect

Mobile Banking App

Deposit checks securely, view real-time balances, and manage your money on the go with biometric login.

Zelle® Integrated

Send and receive money with friends, family, and businesses you trust in minutes, directly from the app.

Advanced Card Controls

Instantly lock a misplaced debit card, set geographical spending limits, and manage travel notices.

Digital Wallets

Add your Nextintlequity Visa® Debit Card to Apple Pay®, Google Pay™, or Samsung Pay® for secure, contactless payments.

Making The Move

Switching to Nextintlequity is Simple.

We've removed the friction from changing banks. Follow these three simple steps to upgrade your financial life securely.

1

Open Your Account Online

Apply in less than 5 minutes using your SSN and a valid ID. Approval is instant for qualified applicants.

2

Transfer Your Funds

Securely link your old bank account through our encrypted portal and initiate a free electronic transfer.

3

Update Direct Deposits & Autopay

Use our ClickSWITCH™ integration to automatically move your direct deposits and recurring bill payments over to Nextintlequity without filling out paper forms.

Start Your Application

Frequently Asked Questions

Common questions about opening and managing a Nextintlequity Checking account.

Upon account approval, you will immediately have access to a virtual debit card within the Nextintlequity Mobile App, which can be added to your digital wallet. Your physical Visa® Debit Card will arrive by mail within 5-7 business days.

Nextintlequity Overdraft Assist℠ gives you a grace period. If you overdraw your account by $50 or less, we will not charge an overdraft fee. If you overdraw by more than $50, you have until 11:59 PM ET the next business day to bring your balance back to overdrawn by $50 or less to avoid a fee.

When you set up a qualifying direct deposit (like your paycheck), we make the funds available to you as soon as we receive the payment file from your employer—which is often up to 2 days before your scheduled payday.

No. You can open a Nextintlequity Essential or Nextintlequity Premier checking account with a $0 initial deposit. However, we recommend funding the account within 30 days to keep it active.

The Center of Your Financial Life.