Bridgewater Credit Union
Free Checking Accounts

Checking Accounts

Whether you prefer free checking with a high interest rate and electronic banking, or traditional free checking, we have a checking account that will suit any banking preference! Compare our accounts to find the one for you.

Open a Free Checking Account

Excel Checking

iChecking

1st Choice Checking

 N.O.W. Checking
Ideal if... You want to earn a high APY on your checking account, use Bridgewater Credit Union as your primary financial institution, and prefer electronic banking. There are no maintenance fees, minimum balances, or limits on the checks you can write. You want to earn interest on your checking account balances, do not use a debit card, but prefer online banking. You want free basic checking. There are no monthly fees, no limits on the amount of checks you can write, and there are no minimum balances. You want to earn a dividend on your checking account, but do not want electronic banking.
Requirements

In order to earn high interest on your Excel account:

  • Receive eStatements
  • Make at least 1 direct deposit or ACH deposit to your Excel account each month that posts and clears
  • Pay at least 1 bill through online bill pay each month
  • Make at least 15 debit card transactions (PIN or signature) each month that post and clear

If you do not meet the requirements, there is NO fee, you just earn a lower interest rate that month.

In order to earn interest on your iChecking account:

  • Receive eStatements
  • Maintain a balance of at least $250 in your account
 

If you do not meet the requirements, there is NO fee, you just will not earn interest for that month.

Anyone can sign up for this account Anyone can sign up for this account
Interest Bearing

Yes, this account has a tiered interest rate, with no maintenance fees.

To see today's rate, check out the chart below or visit our Deposit Rates page.

Yes, this account has interest with a minimum balance of $250.

To see today's rate, check out the chart below or visit our Deposit Rates page.

No Yes. If you maintain a $25 balance
Service Charges

None

There are no tricks to this high interest checking account! If you hit your interest requirements that month, you will earn the higher rate! If for whatever reason you can't complete the requirements, you will just earn a lower rate that month. It's that easy!

None None

If your balance falls below $500 at any time during a month, there is a service charge. If you have direct deposit or a payroll deduction with Bridgewater Credit Union the minimum balance requirements are waived.

Check our fee schedule for current charges.

ATM Surcharge Reimbursements (Refunds when other banks charge a surcharge for you to use their ATM)

Yes, up to $10 a month

Requirements: 
-Minimum daily balance of $250
-Post and clear 15 transactions with your debit card per month
-Post and clear a Direct Deposit per month

There are no fees if the requirements are not met, however, you will not receive reimbursements for that month.

Yes, up to $10 a month

Requirements: 
-Minimum daily balance of $250
-Post and clear 15 transactions with your debit card per month
-Post and clear a Direct Deposit per month

There are no fees if the requirements are not met, however, you will not receive reimbursements for that month.

No No
1st Order of Checks Free Free Free Check Fee Schedule
Online Banking Free Free Free Free
Online Bill Pay Free Free Free Free
Mobile Phone Banking Free Free Free Free
ATM/Debit Card

Your ATM/Debit Card is sent to you free of charge when you apply.

There are no surcharges at Bridgewater Credit Union ATMs or ATMs on the Sum Network.

Your ATM/Debit Card is sent to you free of charge when you apply.

There are no surcharges at Bridgewater Credit Union ATMs or ATMs on the Sum Network.

Your ATM/Debit Card is sent to you free of charge when you apply.

There are no surcharges at Bridgewater Credit Union ATMs or ATMs on the Sum Network.

Your ATM/Debit Card is sent to you free of charge when you apply.

There are no surcharges at Bridgewater Credit Union ATMs or ATMs on the Sum Network.

Foreign ATM withdrawals are subject to a fee. Check our fee schedule for current charges.

Point-of-Sale Debit Card Transactions Free Free Free Free
 

Current Rates for Interest Bearing Checking Accounts As of  

Rates may change after the account is open.

 

*The Annual Percentage Yield (APY) assumes that interest is left in your account to compound for one year. Account fees could reduce earnings. Must have a minimum balance of $25 to open the account.

**If monthly account requirements are not met, APY earned on balance is .15%.

***Must maintain a minimum daily balance of $250 to earn stated APY.

****Must maintain a minimum daily balance of $25 to earn stated APY.

Open a Free Checking Account

 

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