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Belco's Online Banking

Checking Accounts

Budget your funds and make wise financial decisions with our “no monthly service charges” free checking account.

Planning for your financial future can be tricky if you don’t have the necessary elements in place and the right account options available. With our free checking account, you don’t have to worry about paying additional fees in order to keep your account open and running.

Budget your monthly income, enjoy convenient and free bill pay and take advantage of every exciting benefit, including:

  • Free remote deposit availability
  • No monthly service charges or per check fees
  • Free overdraft protection
  • Balance, transfers, and account histories available 24-hours/day
  • Direct deposit/payroll deductions available
  • Monthly dividends earned on $5,001 or more
  • No minimum balance/deposit required to open a free checking account
  • Teens age 13 and over may open a checking account with a parent or guardian as a joint owner

Call us today @ (800) 642-4482 – Find an ATM or Belco Location Near You

Checking Account Rates

Apart from not having to adhere to a minimum deposit amount in order to open a free checking account from Belco, you also have the opportunity to earn dividends on balances of $5,000 and over.




It’s a great way to stay on top of your financial responsibilities and earn an additional amount without having to do anything out of the ordinary for it.

Minimum Balance/RangeDividend RateAnnual Percentage Yield (APY)
$0.00 - $4,999.990.00%0.00%
Portion of balance at $5,000 and above0.05%0.05%

*Rates are subject to change without prior notice


Helpful Financial Resources

As a locally based, not-for-profit credit union dedicated to providing competitive financial service to the community, we believe in rewarding, guiding, and offering sound financial advice to our members in order to make more informed financial decisions.

Additional Checking Account Benefits

Our free checking account allows you to grow your financial future and enjoy the many perks of being a loyal Belco Community Credit Union member.

Belco Rewards Program

Earn points (1 point for every $1) when you swipe your Belco Visa card to make qualifying purchases, whether you’re on a shopping spree or dining out with your spouse.

Learn more about Belco Rewards


Free Bill Payer

Don’t have the time to visit a Belco branch? Avoid having to take time out of your busy schedule to visit us or write and mail paper check by paying your bills online or via our Mobile App. It’s as easy as taking control of your finances electronically.

Learn more about Bill Payer


Free ATM/Visa Debit Card

With so many additional benefits of opening free checking accounts with Belco, you’re also able to obtain free Visa debit cards or use “surcharge free” ATMs without additional fees.

Learn more ATM/Visa Debit Cards


Other Belco Product Packages Available

SmartStart Checking

Specifically designed for young adults (18-29), our SmartStart Checking account helps them to navigate through life’s many financial milestones such as financing their first car, planning for a wedding, or even building credit.

Learn more about SmartStart


Savvy Senior Checking

Exclusively for Belco members 50+ years of age, our Senior Savvy Checking account allows you to take advantage of our regular free checking account benefits with the added bonus of earning a preferred interest rate and additional special perks.

Learn more abut Savvy Senior


Cha-Ching! Checking

Take advantage of a lifetime supply of free basic checks, competitive interest rates, and discounts on personal, vehicle, and home equity loans.

Learn more about Cha-Ching!


Banking From Anywhere Made Easy With Our Mobile App


Our free Belco Mobile App allows you to make electronic transfers, pay bills, and check account activity with the simple click of a button.

Download our iPhone App or Android App for easy access to your free checking account balances and activity details.

*Connectivity and usage rates may apply. Please contact your service provider for details.


Checking Account FAQs

  1. What is the purpose of a checking account?
  • Safe and secure access to funds
  • Direct paycheck deposits
  • Tracking of expenditures
  • Bill payments from anywhere
  • Reward earning abilities
  1. What information is needed to apply for free checking accounts?
  • Your SSN
  • A valid form of identification (driver’s license, government issued ID, etc)
  1. How do I check my account activity?
  1. What should I look for when choosing a checking account?
  • No monthly fees
  • No minimum deposit requirements
  • Free ATM usage
  • Free overdraft protection
  • Free remote deposits

Contact Us to Get Started


Client Testimonials | What Our Customers Have To Say

“I use the Belco on Jonestown Road in Harrisburg, everyone there knows you personally and takes care of your banking needs professionally every time, all the time. I needed a business account in 2006 and was forced to bank other places until Belco began to take business accounts. What a difference! Your money is never held for out of town checks, they assist me in payroll and they make money readily available without hesitation. Thank you Belco – Sam, Renee, Jason – you are all a great team!”

Sheena T. – Member of 43 years, 06/2018

“They did a great job. It’s one thing I’m glad I did move to Belco several years ago. Even with our kids, they treat them as a family, not as a customer. Keep up the good work Belco.”

Robert F., 12/2018

“Anytime I stop in to do a transaction or ask questions, I always receive the BEST customer service from Kathy Keiser at the Belco Big Spring branch. It is clear that she goes above and beyond for customers and always has a smile on her face no matter what day or time you stop in. She is the epitome of a hard worker and I always look forward to seeing her. Thank you, Kathy! Keep up the good work, we appreciate you! Also – Cheryl Reese is just as amazing! Thanks, ladies, keep up the good work!”

Gibson – Member of 10 Years, 02/2018


Save Nearly $1000* On Checking Fees By Opening A Free Checking Account With Belco

“The average cost of monthly maintenance fees, ATM and account use fees, and overdraft and non-sufficient funds fees for a checking account is nearly $1,000 over a decade, according to a NerdWallet analysis of CFPB data.”

Why pay for additional checking fees when you can open a free checking account and reap the rewards by earning dividends? At Belco Community Credit Union, we’re able to offer the right financial solution to suit your needs through reliable service and commitment to our members.

[Become A Belco Member Today | Contact Us or Visit Your Nearest Branch]