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Begin Banking
Free Youth Checking

Begin your banking journey with local support that puts your goals first.
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Embark on Your Financial Journey

The ultimate free spending account, specifically designed for ages 14-26. Get a smart start into banking with Bellwether! 
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Free user-friendly online banking access & mobile app

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Free bill pay

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Free ATM access nationwide courtesy of the CO-OP Network

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Free shared branch services available at over 6,700 CU Service Centers across the country

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No minimum balance requirements

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No monthly maintenance fee*

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No direct deposit requirement

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No savings overdraft fees

Checking Account Comparison

Learn more about our MyMoney and Live Free Accounts.

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

 

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

Saving Makes Cents

Sign up. Swipe. Save! With Saving Makes Cents, each time you use your Bellwether debit card, we'll round up the change and deposit the extra cash in your savings account.

Start Saving Today
Cents

Testimonials

"BCCU carries 4 of my accounts. The service receive and professionalism you receive are steps above any other financial institution I have used."
Shawn Serfass, Manchester, NH 
"Have had an account for a very long time. Love doing most of my banking and bill paying online."
Lilian Carter, 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.

Disclosure

Begin Banking Account is a transactional account available to members ages 14 through 26 and will convert to a Live Free Checking account during the month following the primary members’ 27th birthday.  The minimum balance required to open is $25.00.  No monthly service charge. Dividends and courtesy pay not available. Required joint owner adult until 18. Federally insured by the NCUA.

*Other fees may apply please consult our Consumer Schedule of Fees for more information.

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