Baptist Credit Union Checking Benefits
Is your checking account costing you in monthly fees? At Baptist Credit Union, you can have a checking account with no minimum balance and no monthly service fee! You pay only to purchase checks.
BCU checking accounts are accessible by MoneyLine 24 hours per day, so you can transfer funds between your checking and savings accounts, and you can track the last five checks that have cleared your account. Statements are mailed monthly. Compare your current checking account to a Baptist Credit Union checking account and see how you can save money.
To Open a Checking Account:
If you are a member:
It only takes a few minutes to open a checking account. For any assistance, click here to Contact Us.
If you are not a member:
To get started with a membership application today, see our Membership Page.
Checking Choices
Fee Free
Recommended for:
All Adult Members (must pass ChexSystems)
Service Fees:
No Service Fees (NSF Fees for negative balance apply)
ATM/Debit Card:
ATM or Debit Card
ATM fees:
No BCU Fees or Member Network ATM Fees accessed; Non-Network Fees may apply
Overdraft Protection:
Optional after 30 days and if account meets criteria
Learn More:
Enjoy the benefits of checking with unlimited check writing, no minimum balance, and monthly statements
Online banking, online bill pay, and e-Statements optional.
Draft Builder
Recommended for:
Members who want to rebuild their financial record
Service Fees:
$10 Monthly Service Fee (NSF Fees for negative balance apply)
ATM/Debit Card:
ATM Card
ATM fees:
No BCU Fees or Member Network ATM Fees accessed; Non-Network Fees may apply
Overdraft Protection:
None
Learn More:
If you’ve had experiences that have caused you to be denied a checking account, you have a chance to rebuild your financial record. Stop paying high check-cashing charges and always having to pay with cash. You can pay with checks. You can also pay bills and monitor your account.
Online banking, online bill pay, and e-Statements optional.
Teen
Recommended for:
Teens (16-18 yrs. old) with a parent, guardian, or responsible adult listed as a joint on the account.
Service Fees:
No Service Fees (NSF Fees for negative balance apply)
ATM/Debit Card:
ATM or Debit Card with Joint’s approval
ATM fees:
No BCU Fees or Member Network ATM Fees accessed; Non-Network Fees may apply
Overdraft Protection:
None
Learn More:
A positive and rewarding experience in helping Teens learn Money Management.
Online banking, online bill pay, and e-Statements optional.
Student
Recommended for:
College Students (18 yr. or older). No joint needed (must pass Chex-Systems).
Service Fees:
No Service Fees (NSF Fees for negative balance apply)
ATM/Debit Card:
ATM or Debit Card
ATM fees:
No BCU Fees or Member Network ATM Fees accessed; Non-Network Fees may apply
Overdraft Protection:
Optional after 30 days and if account meets criteria
Learn More:
When away from home, college & university students benefit from fee-free checking and online account access and downloadable monthly statement files. Debit cards make getting cash easier. Parents with students who have BCU accounts can easily transfer money.
Online banking, online bill pay, and e-Statements optional.
Business
Recommended for:
For those who also have a personal share account.
Service Fees:
$10
ATM/Debit Card:
ATM Card
ATM fees:
No BCU Fees or Member Network ATM Fees accessed; Non-Network Fees may apply
Overdraft Protection:
None
Learn More:
Member is required to provide a “DBA (doing business as…)” or Assumed Name Certificate when opening the account.
Online banking, online bill pay, and e-Statements optional.
Debit Cards
Debit Card
A Baptist Credit Union debit card gives you access to cash and purchasing power worldwide. You can use your debit card instead of checks or cash anywhere you see the Mastercard logo. We will not charge any fees for any transaction conducted at any ATM in the world when you use our master-money debit card! With the debit card, balance inquiries and account transfers will be totally free at any ATM. We will not charge for cash withdrawals at any ATM; however, the ATM may charge a surcharge or convenience fee. Of course, any transaction conducted at any of our ATMs is always free.
Advantages:
Security – no need to carry cash
Easier to use than a check
Allows access to account information via ATMs worldwide
Transactions are automatically deducted from your checking account
No interest charges like with Credit Cards
You may choose and change your 4-digit pin number at any BCU ATM
We have invested in VeriSign’s secure server digital certificate to protect your data. Through the use of Secure Sockets Layer (SSL) technology, the standard for secure communications on the Web, your data is being sent to a secure database and is encrypted to protect your privacy.
How To Use Your Debit Card
If you select the Debit Option:
You will be asked to enter your PIN number.
If you have sufficient funds in your checking account, the transaction will be approved.
The purchase amount will be deducted from your available balance immediately.
The purchase will post to your account either that business day or the next business day.
If you select the Credit Option:
If you have sufficient funds in your checking account or overdraft line-of-credit loan (if you have one), the transaction will be approved.
The transaction will not be approved based upon funds available in your savings account.
Instead of entering your PIN number, you will be given a receipt to sign (just like a credit card purchase).
The purchase amount will be deducted from your available balance immediately (except for pay-at-the-pump transactions).
The purchase will not post to your account for 2 to 5 days, depending on how fast the merchants settle their transactions, holidays, etc.
Direct Deposit
Your payroll, retirement, Social Security, or other recurring checks are electronically deposited to your account without the hassle of teller or drive-through lines! Immediate access to funds. Discuss this option with your Employer or Human Resources department.
Baptist Credit Union’s Routing and Transit/ABA Number: 314092717
You will also need to provide your 10-digit BCU Account Number (The last 3 digits designate which account, such as 010 for checking or 001 for savings). Our share or savings account is not a transaction-able account; therefore, payments should not be scheduled to be withdrawn from it, or they will be rejected.
You will also need to provide a voided BCU check from your Checkbook.
Click here to view list of BCU ATMs.
Debit Card Maintenance
Call: 1 (800) 222-2328
Mail: P.O. Box 5667, San Antonio, TX 78201
Manage Account
MoneyLine
24/7 access to your account information via telephone 1 (800) 222-2328. Check balances, move money between accounts, make payments on loans, see if checks have cleared, etc.
Online Banking
Access account information online anytime. See your transaction history, move money between accounts, make payments on loans, and view up to 1 year of account history.
Funds Disbursement
Distribute funds to checking, money-market, and IRA accounts per pay period or monthly. Visit your online banking to set up One-time or Recurrent Automatic Transfers, or call 1 (800) 222-2328 or email memberservices@baptistcu.org to request a 999 form.
Direct Debit
Have your monthly loan payment automatically deducted from your checking account. BCU auto loans discounts an additional 0.25% with direct debit.
Overdraft Privilege
For a nominal fee, you can avoid high charges from merchants for returned checks and multiple fees for insufficient funds. The checking account must be in good standing; open over 30 days and with monthly deposits totaling at least $400 per month. *Other restrictions apply.
Lost or Stolen Debit Card
If your card has been compromised or stolen, call our Fraud Department immediately by dialing 1 (888)241-2440. Please have all of your pertinent card information available, as well as your account number and social security number. If your card is lost or compromised, please contact any branch to order a new card or fill out and fax Debit Card Application Form (form contains an area to report your lost or stolen card) to 1 (210) 525-0383. Please know that the Fraud Department is NOT able to order cards. Therefore, it is important for you to call us ASAP.
For immediate assistance during business hours with your debit card, please call: 1 (800) 264-5578
Order Checks
Easy Ways to Order Checks
Visit one of our friendly branches and make a selection from our Branch Addresses.
Visit the Liberty website at www.libertysite.com, select checks and accessories, and order.
Fill out the Check Order Form and follow the easy instructions.
Reorder Checks
Reorder online at reorder.libertysite.com
Call Liberty at 1 (877)585-8777
Complete the reorder form enclosed with your checks and mail it to the address indicated.
For your convenience, your purchase will be deducted automatically from your account.