Checking Accounts
Free checking options with debit access, digital tools, and local service.
Your checking account should be easy, reliable, and fit the way you manage money. At Benton County Schools Credit Union, we offer checking options that give you flexibility, digital tools, and local support — without unnecessary fees.
Everyday Banking That Fits Your Life
Whether you prefer paper-free banking or a classic checkbook, Benton County Schools Credit Union has a checking account that works for you. Every account includes free digital access, local service, and the convenience you need to manage your money anywhere.
All Checking Accounts Include:
Free Online Banking and Bill Pay
BCSCU Debit Card with unlimited free BCSCU ATM withdrawals
Access to CO-OP Network ATMs nationwide
Five free out of network ATM withdrawals per month
Simple Checking
Traditional banking with modern convenience — and no monthly fees.
What You Get:
No monthly service fee or minimum balance
Free box of checks every 12 months*
All standard account benefits listed above
Best for: Members who want a traditional account with checks and no hidden fees.
Investment Checking
Earn more on your balance while keeping your money easy to access.
What You Get:
Interest paid quarterly on balances over $2,500
Free box of checks every 12 months*
All standard account benefits listed above
$5 monthly fee if balance falls below $2,500
Best for: Members who keep higher balances and want to earn interest.
Teen Checking
Our Teen Checking Account gives teens real-world banking experience in a safe, supported way.
When you open a new Teen Checking Account, you’ll receive a $25 Amazon Gift Card.
Account features include:
No monthly service fees
Free debit card
Free ATM withdrawals at CO-OP Network ATMs
Free Online & Mobile Banking tools
Free Apple Pay and Google Pay
Free box of checks each year
Joint owner required (parent or guardian)
This account helps teens learn responsibility while parents stay involved. Learn more about Teen Accounts.
Important Information
All checking accounts may incur overdraft, stop payment, or NSF fees.
Applications are subject to review of past credit history prior to approval.
One free box of basic checks per year or credit toward custom checks ordered through BCSCU-approved vendors.
Membership required. Minimum deposit of $25.00 in a Share Savings Account is required to establish membership. Certain accounts have transaction limitations; see account agreements for details. Additional terms and conditions may apply. Please contact the Credit Union for current rates, fees, and product details.
Running low on checks?
Call us at (800) 807-7893 or (541) 754-7765 for your free annual box.
Prefer to order online?*
*Annual free box benefit does not apply when ordering checks online.