Live Free Checking

Q: How does a checking account work?

A checking account is used for everyday transactions such as deposits, withdrawals, purchases, and bill payments. Funds can be accessed through a debit card, checks, or digital banking.

Q: What if I accidentally spend more than what’s available in my checking account?

Eligible members may be covered by Courtesy Pay, which can approve certain transactions when your account is overdrawn, up to a set limit. Program terms and fees apply.

Q: Does a debit card work with a checking or savings account?

The Bellwether debit card is linked to your checking account. When used, purchase amounts are deducted directly from your checking balance.

Q: How do I check my checking account?

You can review your account in online banking, the mobile app, at ATMs, or by visiting a Bellwether branch. Paper statements are also available.

Enjoy flexible checking with no unnecessary fees and real member benefits.

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A Simple, Free Checking Account

Enjoy the freedom and flexibility you deserve with our Live Free Checking account. No minimums, no monthly fees*, and no hassles.

Access your money 24/7 with free online & mobile banking

Pay bills quickly with free online bill pay

Withdraw cash at thousands of surcharge-free ATMs nationwide*

Visit over 6,700 shared branch locations for in-person support

Choose optional overdraft protection for added peace of mind**

Bank without worrying about unnecessary banking fees

Checking Account Comparison

Live Free Checking is just one of our checking products – see how it stacks up against our other flexible options to help you bank with heart.

Open an Account Online

Features & Benefits	Live Free Checking	MyMoney Account	Begin Banking (Designed for Members 14-26 years old)
Early Payday
BCCU Foreign ATM Fee	$1.50	Free	$1.50
Savings Overdraft (Additional Overdrafts)	$19/ea.	1 Free/yr. then $19/ea.	$19/ea.
Monthly Service Charge	N/A	$15	N/A
Requirements to Waive Monthly Service Charge	N/A	$1,00 direct deposit or 10 debit purchases	N/A
Debit Card Replacement	$10	$10	$10
Temporary Checks	4 for $2	4 for $2	4 for $2
Stop Payment	$30	$30	$30
	Open an Account	Explore MyMoney	Explore Begin Banking

Free Member Services

Bellwether members have access to these additional services to help take care of your financial needs at your convenience

Online banking
Mobile banking
Smartwatch banking
Call24 Transactions
30,000+ surcharge-free ATMs*

* Other institutions may charge a fee for usage of their ATM machines

Online bill pay with E-Bills
eStatement / eDocuments / eForms
Monthly paper statements
Online incoming external transfers
Online outgoing external transfers

Switch to Bellwether in Minutes

ClickSWITCH makes moving your direct deposits and automatic payments fast and easy – get started today.

Turn Spare Change Into Savings

Sign up for Saving Make Cents—every time you use your Bellwether debit card, we’ll round up your purchase and deposit the difference into your savings.

Checking Account Comparison Chart 2024-1

Compare Our Checking Accounts

Learn more about our MyMoney and Begin Banking Accounts.

Testimonials

"I had a problem with my check account having a double payment for a purchase I made, I contacted Bellwether about my problem, they were very helpful in explaining how some business take out a security withdrawal as well with the purchase amount and than remove the security withdrawal once they receive the original payment, my experience with Bellwether community Credit Union has always been a good one, I find them to be very friendly, helpful and very professional. I highly recommend them for your banking..I would like to personally say thank you to each and every one of them."

Paul Nolin, Manchester, NH

"Small town feel to big city banking. Everyone knows your name. They offer a versatile portfolio of depository and lending products for both consumers and businesses a like. "

Jacqueline Kushnir, Manchester, NH

FAQs

How does a checking account work?

A checking account is a bank account that's used mainly for transactions. In fact, the technical term for a checking account is a "transaction account." The owner can usually withdraw from or deposit money into a checking account at any time. When you have a checking account, you can get a checkbook to write checks.

What if I accidentally spend more than what’s available in my Checking Account?

We know mistakes happen. That’s why Bellwether offers Courtesy Pay for eligible members if you accidentally overdraw your checking or savings account. With Courtesy Pay, we’ll cover eligible overdrafts in your account up to $500, so your transaction can be processed. Learn more here.

Does a debit card work with a checking or savings account?

A debit card is linked to a checking account. When you use a debit card to make a transaction, the money is pulled from your checking account. It's a substitute for cash.

How do I check my checking account?

You'll have a variety of ways to check your checking account when you open one with Bellwether. You can check your account at any one of our three New Hampshire branches, or access your account online or on our free mobile app. We can also send you monthly account statements by mail.

Live Free Checking

A Simple, Free Checking Account

Checking Account Comparison

Free Member Services

Switch to Bellwether in Minutes

Turn Spare Change Into Savings

Compare Our Checking Accounts

Learn more about our MyMoney and Begin Banking Accounts.

Testimonials

FAQs

How does a checking account work?

What if I accidentally spend more than what’s available in my Checking Account?

Does a debit card work with a checking or savings account?

How do I check my checking account?

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