Tools & Resources

Benton County Schools Credit Union is proud to offer our members helpful tools and resources to manage your finances. Check out our Bill Pay and BCS Points Plus!

Benton County Schools Credit Union is proud to introduce Mobicint which is replacing APELTeller.  APELTeller is outdated and is being phased out. Mobicint has a wide variety of online and mobile tools available to assist in your day to day banking.  


Mobicint login on your computer.

To access your accounts on your computer you will need the following:

  • A computer with internet access.
  • BCSCU Website address:
  • Your User ID (account number)

Click on the link for Member Login on the top right of our home page and select the link for ‘Forgot Password’ to obtain a temporary password.  Follow the online instructions to receive a temporary password, after which you can login.


BCSCU Mobile App- Download from Google Play or Apple App Store

Google Play StoreApple App Store

To access your accounts on your smart phone or tablet you will need the following:

  • A smart phone or tablet with internet access.
  • The Google Play Store or Apple App Store.
  • Your Online Banking Login credentials. (Your User ID, Password, and the Last 4 of your SSN)

Once in the Google Play Store or Apple App Store search for BCSCU and click install. You will have to accept permission for the app to be installed on your device. Then you will have to register your device and can choose to do it via email or online, after which you can login.

*If you don’t want an App but would like an easier way to check your account on your smartphone or tablet use on your device’s internet browser.*


E-Alerts can be easily setup to go straight to your email or mobile phone.

e-Alerts & e-Statements – You can have notifications of account activity sent to your email address or cell phone.  You can also receive statement notifications electronically.

  • Under the menu heading ‘User Profile’ select ‘Manage e-mails
    • Click on ‘Add’ and enter an email address (twice) and click continue.  Follow the instructions to complete the add email process (you will need access to your email)
    • Check the box for ‘e-Alerts’  – Read the disclosure and then check ‘agree’ or ‘cancel’ (if you select ‘cancel’ you will not be granted access to the e-Alerts function).
    • Click ‘Save’ to complete the process.
    • Your email address will now show on the screen with a checkmark in ‘e-Alerts’ – you are now eligible to use the e-Alert function.
    • For e-Statements – after adding an email address as indicated above, check the box for either ‘Statements’ or ‘Credit Card’ and ‘Agree’ to the disclosure, then click ‘Save to complete the process.

Create your e-Alerts from the ‘Services’ menu ‘Manage e-Alerts

  • Click ‘Add’ to create an e-Alert – you can select a wide variety of alerts, you must always select a suffix, type of alert, email address, and text or graphical. 
  • Note:  Text can be sent to either a cell phone or email address, graphical to email addresses only.
  • Click ‘submit’ when you create the alert. 
  • You can create multiple alerts.
  • Examples of Common Mobile Addresses

AT&T: <PhoneNumber>

Cingular: <PhoneNumber>

Nextel: <PhoneNumber>

Sprint: <PhoneNumber>                            

T-Mobile: <PhoneNumber>

Verizon: <PhoneNumber>

Virgin Mobile: <PhoneNumber> 

Contact your mobile service provider if you don’t know your complete mobile address, or if you need to confirm that your phone is text enabled.


With BCSCU’s online Mobicint service, you can simplify paying your bills. Never write a check or pay postage for your bills ever again. You can set up automatic payments and alerts. You can even link bill pay to show your current statement balances.

Check out the Bill Pay DEMO

To enroll or access your online bill pay simply login to your BCSCU online banking account, Mobicint, and click “Pay Your Bills” which is located under “Services”.

For bill pay questions or support call 877-883-1676.

With BCS Points Plus you can earn rewards for travel, gifts, gas, and money back on your credit card statement. All you have to do is use your BCSCU Credit Card. You get one point for every dollar you spend (cash advances and balance transfers do not apply).

We recently upgraded our Rewards program! Upgrades include the ability to directly purchase merchandise, earn up to 5x bonus points, savings of 50% or more on Daily Deals, and much more!

Access your account by logging into your Mobicint Online Bank account and choosing BCS Points from the Services tab. You can also check your points and redeem by calling the customer service number at 888.655.9364

Sample rewards include:


MoneyDesktop is an online money management tool, integrated into Mobicint, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, categorization and mobile access are just a few of the tools to guide you along your way.

Identity Theft is the act of stealing someone’s personal information and using it to pose as that person. We work hard to protect our members from this crime. You can help deter identity theft by taking some precautionary measures.


  • Do NOT give out PERSONAL financial INFORMATION on the telephone, especially your social security number, unless you initiated the call and you know who you are talking to.


  • Report lost or stolen checks and credit cards immediately.


  • Review new orders of checks and replacement credit cards immediately.


  • Store new and cancelled checks in a safe place.


  • Do NOT give out your ATM personal identification number (PIN) to anyone. Never write it on your card either.


  • Dispose of financial records or financial solicitations that arrive in the mail by shredding them or tearing them up.


  • Study bills and statements carefully and question any suspicious charges immediately!


  • Periodically check your Credit Report for inaccurate information. You can obtain one free report annually from the three major credit bureaus at WWW.ANNUALCREDITREPORT.COM .


Phishing Scams – Helpful Info

Phishing – pronounced “fishing” – is the latest form of identity theft. It is when thieves act as if they are representing an organization and try to “hook” the consumer into providing personal information. Once a consumer is “hooked,” the thieves can do lasting damage to a consumer’s financial accounts. 

Thieves attempting phishing scams often pose as a:

~ Financial Institution
~ Credit Card Company
~ Online Merchant
~ Utility or other biller
~ Internet service provider
~ Government agency
~ Prospective employer

The most common phishing attempt is by e-mail, but some phone attempts are made as well. The email will typically include bogus statements about problems with your account, or billing errors, and asks the target to confirm his/her personal information or account information.


Follow these common sense tips to protect yourself:

~ Be suspicious if someone contacts you unexpectedly and asks for your personal information. Most legitimate companies and agencies do not operate that way. 

~ Do not click on links in e-mails that ask you to provide personal information. To check whether an e-mail or call is really from the company or agency, call the company directly at its phone number of record or go to its official website (use a search engine to find it).

~ Do not provide personal information (such as your social security number, account numbers, PINs, passwords, and so on) via phone, e-mail or otherwise unless you initiated the contact with a trusted partner.

~ If someone contacts you via phone or e-mail and says you’ve been a victim of fraud, verify the person’s identity, and contact the organization directly before you provide any personal information.

~ If you manage any of your financial accounts online, choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Change the password frequently.

~ Make sure the websites on which you transact business post privacy and security statements. Be sure to review them carefully.

If you believe you have been a victim of a phishing scam, contact local authorities and report the information to any financial institution that may have been affected.


For help in adding a “fraud alert” to your consumer credit report files, contact the FTC commissions’s ID Theft Clearinghouse, click here, or call 877-438-4338.


For more information on phishing and ID theft, go to Onguard Online, a government sponsored informational website.


If you didn’t get hooked by a phishing scam, but would like to report the attempt, contact the National Fraud Information Center at, or call 800-576-7060.


President Obama established the Financial Fraud Enforcement Task Force in November 2009 to hold accountable those who helped bring about the last financial crisis as well as those who would attempt to take advantage of the efforts at economic recovery. or call 202-514-2000

Frequently Asked Questions

  • How do I access my BCSCU Visa Credit card awards points?
    Our awards program BCS Points Plus, can be accessed from a direct link when you have logged into online banking. Choose ‘BCS Points Plus’ from the ‘Services’ menu. You may need to create a user ID if it is your first attempt.
  • Can I check my Visa balance at an ATM?
    No, the available balance or current balance on your credit card is not available from an ATM.
  • Why am I locked out of my account on-line?
    The most common reason is the CAPS lock – the password field is case sensitive. Contact the credit union to reset your access.
  • Who can join BCSCU?
    Our Membership Info page will tell you how to qualify for membership.
  • I made an ATM deposit and some of that deposit is being held. Why is that?
    The first $250 of a day’s total ATM deposits is available immediately. The rest will be held until the end of business on the second business day, including the day of deposit.
  • What are the credit union operating hours, locations and contact info?
    Click here for our locations, hours and contact phone numbers.
  • Why haven’t I received my statement?
    If you moved and didn’t provide us an address change directly, we are probably holding your mail and trying to contact you for a correct address. Checking and Visa statements are sent monthly, all other accounts receive quarterly statements.
  • How do I reorder checks?
    You can contact a staff member to place your order, or do it online by clicking ‘Re-Order checks’ under the ‘Member Services’ heading (checking tab) on our website.
  • How do I change my address when I move?
    We require a signed address change; click here to contact BCSCU staff and request a form. We will not forward mail until we have received an address change directly from you.
  • How do I report a lost or stolen credit or debit card?
    Click here for the phone numbers and website links to report lost/stolen cards.
  • What is the BCSCU routing number?
  • Is there a BCSCU mobile App?
    Yes, download our free app on the Google Play or Apple Store by searching BCSCU.

Your savings federally insured to $250,000 and backed by
the full faith and credit of the United Sates Government
National Credit Union Adminstration, a U.S. Government Agency