Checking that's free.

As it should be.

No minimum balance. No maintenance fee.

There’s no need to worry about maintaining a minimum balance or paying a monthly service charge because BSCU checking is absolutely free. In fact, most of our services have no fees. With a BSCU checking account, you’ll have access to a variety of companion services. To sign up for your free BSCU checking account, visit us at one of our locations.

Visa® Debit Card with surcharge-free ATM access

Use your debit card to make purchases directly from your checking account. Or visit any one of the 55,000 Allpoint ATMs and withdraw money with no surcharge fee. Find an ATM near you.

Greater security with CardValet®

The CardValet app lets you “turn off” your debit card when you’re not using it to protect against fraud. You can even control where your card can be used and set spending limits to stay on budget. Get the app from the App Store or Google Play.

Mobile and Online Banking

Access your accounts with online banking and our mobile app. Pay bills, transfer money, view transactions, check your balance and more!

Get started with online and mobile banking.

Direct Deposit

You can have your paycheck, Social Security or pension directly deposited into your share draft checking account. Your money will be completely available upon receipt so you can use your debit card or pay bills. Plus, you’ll receive FREE checks for your account when we receive your full net direct deposit.

Our routing and transit number is 2 2 2 0 7 9 4 9 5.

Account number format to set up direct deposit to or automatic withdrawals from your checking account: use all 10 digits at the bottom of your checks. If you do not have checks please call the credit union for your 10 digit account number.

IMPORTANT: Please adhere to this account number format or direct deposit will not work.

Easy ATM Access

Need an ATM? We have 55,000 of them! Access your cash at any of the surcharge-free ATMs in the Allpoint network. There are 55,000 locations worldwide and 35,000 in the U.S. So there’s always one nearby. There’s also no surcharge fee when you use an Allpoint ATM.

Find an Allpoint ATM.

Bank by phone with Tellerphone

Call 716-842-0373 to bank by phone 24/7. You can check your balance, find out if transactions have cleared, transfer money, make BSCU loan payments and more. You will need a unique PIN. If you don't know it please contact us.

Overdraft Protection

BSCU Overdraft Protection* links a line of credit of up to $3,000 to your BSCU checking account. If a transaction exceeds the available money in your checking account, the balance will be transferred from your line of credit so your transaction won’t be denied and checks won’t bounce. It can also be used for extra cash in between paychecks.

Apply for overdraft protection now.

You can also link your checking account to your savings account for overdraft protection from your available balance.

*Application and credit approval required.

Backed by the National Credit Union Administration (NCUA)

As a member of Buffalo Service Credit Union, you'll enjoy the peace of mind that comes with knowing all of your BSCU deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.