Checking Account Services

To enhance your checking experience, we offer a number of convenience services.

Sign up for one or all — there's no application fee with us!

Direct Deposit

Ask how to set up the automatic deposit of your payroll, retirement or other recurrent funds for easy access through your Credit Union Checking Account. Click below for the appropriate form.

Order your free checks today!

Enjoy free standard checks for as long as you have your account with us.

Special check designs are available for a fee if you’d like something fun and different.

To place your check order, please call a Member Service Representative at 410-828-4730.

Overdraft Protection

You’ll have Overdraft Protection to pay a share draft(s) or payment(s) that exceeds the available balance in your Share Draft Account. The Credit Union will look to pay any overdrafts in the following order:

Designated Share Account

A designated share account, in which case the Credit Union may transfer the amount of the resulting overdraft from the available balance of the designated share account to the Share Draft Account. There is no fee for this service. If the available balance of the designated share account is insufficient to cover the resulting overdraft, no action will be taken on the designated share account, and the share draft(s) or Payment(s) would not be paid.

Preferred Credit Line Account

A Preferred Credit Line account, with the Credit Union in which case the Credit Union may credit the amount of the advance to the Share Draft Account to cover the resulting overdraft. The advance amount becomes part of the Preferred Credit Line repayment obligation. If the available balance of the Preferred Credit Line account is insufficient to cover the resulting overdraft, no action will be taken on the Preferred Credit Line account, and the share draft(s) or Payment(s) would not be paid.

Courtesy Pay

The Credit Union’s Courtesy Pay service, in which case the Credit Union may pay the share draft(s) or Payment(s), up to a limit of $500 [including the amount of the share draft(s) or Payment(s) and the Courtesy Pay fee(s)] in accordance with the terms and conditions of the Courtesy Pay program.

Other Share Account

Any other share account, in which case the Credit Union may transfer the amount of the resulting overdraft and any applicable service charge from the available balance of the share account to the Share Draft Account. If the available balance of the share account is insufficient to cover the resulting overdraft and any applicable service charge, no action will be taken on the share account, and the share draft(s) or Payment(s) would not be paid.

Other Services

You don’t have to write a check to make purchases with the money in your checking account. Use the VISA Debit Card wherever visa cards are accepted. Every transaction will be detailed on your monthly statement. Plus you can also withdraw money from your account at over 55,000 Allpoint atms surcharge-free!

Once your account is open, sign up for free e-statements on our website. It’s easy to enroll and you’ll receive e-mail notification when your statement is ready to view!

Use a touch-tone phone to access your account… 7 days a week, 24 hours a day!

Use your computer to securely perform account inquiries, transfer money, and obtain statement transaction details.

Pay an unlimited number of bills without the hassle of writing a check; transfer funds to or from accounts in your name at other financial institutions; do person-to-person transfers by text messaging or email using popmoney from bill pay.

Use your Smartphone (iPhone or Android) to check balances, pay bills, view account history, transfer money and deposit checks—all at no cost using our downloadable BCCU Mobile Banking app.

Members with the credit union checking account are now able to deposit paper checks electronically using our mobile banking app.

As you know, identity theft and fraud affects thousands of people every year. That’s why Baltimore County Employees Federal Credit Union and the Deluxe Corporation have partnered to offer you a full range of service options to address the many sources of identity theft.