Checking Accounts

All of our checking accounts are designed to simplify your life by saving you time and money. Choose the checking account that best fits your lifestyle.

To help you select the right account, here are a few questions to consider:

  1. Are you a frequent iTunes® or Amazon® shopper?
    Check out ePerks.
  2. Would you like a high interest checking account?
    Check out Prosper.
  3. Are you interested in keeping it simple?
    Check out Basic.

Click below for features and more information on each account.

ePerks Checking

Free! For our tech-loving, ATM-using members. If you use Amazon® or iTunes®, you'll likely benefit from ePerks.

Account Details*

  • iTunes® & Amazon® credits, up to $5/month
  • $15 Signup Bonus, to be used within the first 60 days of account opening
  • Unlimited nationwide ATM fee refunds1
  • No minimum balance

Monthly Qualifications

  • 12 debit card swipes over $5
  • eStatements

Prosper Checking

Free! Earn premium interest rates and get nationwide ATM fee refunds with our free Prosper account.

Account Details*

  • High interest rate of 2.50% APY** on balances up to $7,500
  • 0.10% APY** on balances over $7,500
  • Unlimited nationwide ATM fee refunds1
  • No minimum balance

Monthly Qualifications

  • 12 debit card transactions
  • 1 ACH automatic payment or bill payment
  • eStatements

Growth Savings

If you qualify for Prosper checking, you can earn even more on your money by attaching a Growth savings account.

Monthly interest and ATM refunds received on your Prosper account will automatically be swept into your Growth account each month.

Account Details*

  • A 0.25% APY** on balances up to $7,500
  • A 0.10% APY** on balances over $7,500

If you do not meet the Rate/Reward Qualifications for Prosper Checking and Growth Savings, the interest rate paid on the entire balance will be 0.01% with an Annual Percentage Yield of 0.01%. If you meet the Rate/Reward Qualifications you will be paid the tiered rates. The interest rates and annual percentage yield may change every calendar month based on the determination of the Board of Directors.

Basic Checking

Free! Our Basic account is not associated with any additional non-banking perks, but it still offers our members no minimum balance and access to our great services.

See the "Additional checking benefits" section for a brief listing of supplemental options.

* To qualify for key benefits, please note that transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more business days from the date the transaction was made to post to and clear an account. Account disclosures, containing the required account information, will be provided to members before an account is opened or a service provided, whichever occurs first. Contact a BluCurrent representative for additional account details.

** APY=Annual Percentage Yield. The interest rate and annual percentage yield may change every month based on the determination of the credit union board of directors. Rates accurate as of 11/24/2017.

1 ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable.