At BTCU, we reward our owners (our members) with free checking accounts that earn interest when you use it, plus other great perks!

Earn a great rate and get ATM fee reimbursements with:

Reward Checking

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Minimum to open: None
   
Minimum balance None
   
Interest earned


 

2.00% APY* on balances up to $5,000 whwn you
complete 15 point-of-sale transactions with your
debit card and/or ACH transactions (debits or credits)
during the month.

Monthly fee None
   
Other Rewards  > Up to $8 ATM fee reimbursements per month
(when you qualify) > Up to 5 free money orders per month
  > Up to 5 free cashier's checks per month
  > Free first box of checks

 

 

 

 

 

 

 

 

 

 

 

Want a premium rate? You got it with:

Reward Checking Plus

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Minimum to open: None
   
Minimum balance None
   
Interest earned


 

2.50% APY* on balances up to $5,000 when you
complete 15 point-of-sale transactions with your
debit card and/or ACH transactions (debits or credits)
during the month.

Monthly fee None
   
Other Rewards  > Up to 5 free money orders per month
(when you qualify) > Up to 5 free cashier's checks per month
  > Free first box of checks

 

 

 

 

 

 

 

 

 

 

*APY = Annual Percentage Yield. Dividends are calculated daily and paid monthly on balances up to $5,000. Balances over $5,000 do not earn interest. Rates are subject to change at any time. Balances that do not meet the minimum requirements will not earn dividends. Rates may change after the account is opened. Please refer to your Personal Account Agreement and Truth-in-Savings Disclosures for complete information, including transaction limitations on savings accounts. Please contact BTCU at 763-315-3888 for current rates.

Handy Tools

You'll get easy and convenient access to your accounts with our handy tools. You can even do your banking on the go!
 

Debit Card - FREE WITH CHECKING
With the BTCU MasterCard Debit Card, you can pay for purchases and get cash at ATMs.
 

MoneyPass ATMs - FREE
Get cash with your BTCU MasterCard Debit Card at more than 25,000 MoneyPass ATMs nationwide, surcharge-free.
 

Pocket the Change - FREE
Enroll your checking account in our automatic savings program called Pocket the Change. Each time you make purchase with your Debit Card, we’ll round your purchase up to the nearest dollar and transfer the difference form your checking to your savings account.
 

Mobile Banking - FREE
Download the BTCU Mobile App for Android or iPhone from your app store.
 

Mobile Deposit - FREE
Deposit checks from your mobile phone using the BTCU Mobile App. Download it from your app store.
 

Online Banking - FREE
For direct access on your computer visit www.buildingtradesCU.com.
 

Bill Pay - FREE
Pay bills directly from your accounts. Pay a company or a person. Schedule recurring or one-time payments.
 

Telephone Banking - FREE
No smartphone? No problem. Just call 1-855-672-7087 for account info. You can even request a check to be mailing to your address on file.

 

Open Your Account

Already a BTCU Member? Login to Online Banking to open your account today!

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Find a ATM near you.

With more than 25,000 ATMs nationwide, MoneyPass is one of the largest surcharge-free networks in the nation. To find one near you, seach here: ATM Locator or download the MoneyPass ATM Locator app from your app store today!

 

Become a Member

Are you ready to become a BTCU member? Click below to complete our online application.

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