With Bonus Checking, a free checking account from Bethpage, you get the convenience of banking wherever you want plus benefits that are hard to find anywhere else.

  • Easy online account opening with instant decision
  • 30,000 surcharge-free ATMs nationwide
  • 5,000+ shared branch
    With shared banking, credit unions from all over the country – and around the world – share facilities to give members thousands of convenient locations to perform basic transactions.
  • You can earn % APY* for the things you do everyday
    You can earn % APY for each month that you (i) are enrolled in online banking with eStatements, (ii) receive a direct deposit and (iii) make 10 point-of-sale debit card transactions.
  • 24/7 Mobile Banking with Mobile Check Deposit
  • Student Checking Accounts available
... Minimum Balance
... Bethpage Fees on 3rd Party ATMs
... Monthly Fees
What Our Members Are Saying
You make banking easy, no fees, no hassles, no kidding.
- Raymond N., member for 6 years


Earn % APY* each month by simply using your debit card, getting a direct deposit, and being enrolled in e-statements. See how our rate compares.

Bethpage consistently beats the national average and deposits are insured for up to $250,000 by the NCUA .
See how much you can earn.
(No minimum balance required)
You will earn
Bethpage Federal Credit Union
% APY*
Capital One 360 - 0.20% APY  
Ally Bank - 0.10% APY 
National Rate Average - 0.06% APY  
Rates displayed are accurate as of 11/21/2018. National average as reported by Datatrac.

Convenient Access


Anything you can do in a branch, you can do online.

  • Deposit checks with your mobile device
  • Pay your bills electronically
  • Send money to others using Pay Anyone
  • Access Financial Education and Advice
  • Get the answers you need in our Help Center

Still need a branch? You can find one here.

Access to your money when you need it.

  • Get real-time balance information on your mobile device
  • Get cash at one of the 30,000+ free ATMs
  • Stop in one of the 5,000+ shared branch locations across the Country
Surcharge free ATM's & shared branches are available nationwide. Look for these logos:
Shared Locations

Why Bethpage

We're a credit union, not a bank.

Which means your needs come first, not stockholders; because there are none. We invest back in you by delivering lower fees and better rates.
Bethpage has been serving members for over 75 years.
Bethpage has been serving members for over 75 years.
NCUA Insured
Your money is safe; Bethpage is Federally insured by the NCUA.
Everyone can bank at Bethpage
No matter where you live, everyone can bank at Bethpage.
What our members are saying
When you bank with Bethpage, you bank with the best! No matter which branch you visit the staff are always very friendly and very helpful.

- Maria B., member for 8 years


What is needed to open an account at Bethpage?

Opening a free checking account with Bethpage is easy and should only take you about 5 minutes!

Before you get started make sure you have the following available:

  1. Your Social Security Number
  2. Your Driver's License or Government Issued ID for identity verification
  3. Your joint owner so they can provide their information as well

A one-time, $5.00 deposit into a Bethpage savings account will also be required.

How can I deposit checks?

Depositing a check is simple and can be done:

  • At a Bethpage Federal Credit Union ATM
  • At your local Bethpage Federal Credit Union branch
  • Using the Check Deposit feature through the Bethpage mobile app or online banking
  • At a shared branch
What is a shared branch location and how do I find one?

A Shared Service branch is a Bethpage or other credit union branch that participates in a network that allows members to walk into a credit union location that displays the CO-OP logo. At these designated locations you will be able to deposit or cash checks, make a withdrawal or make a loan payment.

Shared Branches give members thousands of convenient locations to perform basic transactions. Whether you are at work, home, or your favorite travel destination, you will have the ability to get the service you need.

To find your nearest shared branch location, use our branch locator.

What can I do at a shared branch?

Anywhere you see the CU Service Center Logo you can conduct a range of transactions, such as:

  • Make deposits, withdrawals and transfers.
  • Obtain account histories.
  • Cash checks.
  • Make loan payments.
  • Buy travelers checks and money orders.
  • Use the ATM's surcharge free.
Are there any fees when I use non-Bethpage ATM's nationwide?

To avoid ATM fees, look for the CO-OP logo. With over 30,000 ATMs nationwide, these are free for Bethpage members to use regardless of the institutional name on the ATM.

Shared Locations

You can also use ATMs outside the Bethpage/Co-Op network. If you do, the owner of the ATM may charge you a fee at the time of transaction, but we won't.

How can I earn interest on my checking account?

We want you to make the most out of your Free Checking account.

To earn interest, each month, you'll need to:

  • Receive a Direct Deposit into your Bethpage checking account
  • Use your Bethpage Debit Card for 10 purchases
  • Reduce your clutter by signing up for eStatements
Are my accounts insured?

Yes, all Bethpage Federal Credit Union deposit accounts are insured up to $250,000 through the National Credit Union Administration (NCUA).

What is the difference between NCUA and FDIC insurance?

The National Credit Union Administration is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions.

The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions (like Bethpage) for up to $250,000. The NCUA's share insurance coverage is similar to the deposit insurance coverage offered by the Federal Deposit Insurance Corporation (FDIC), which insures bank deposits.

What are the benefits of Mastercard® SecureCode®?

Mastercard SecureCode is a private code for your Mastercard account that gives you an additional layer of online shopping security. Only you and your financial institution know what your code is — merchants aren't able to see it. SecureCode works with your existing Mastercard account. Plus, it's free to use.

Register your card for free

Download the Mastercard Guide to benefits

Put Bethpage in your wallet

Use your mobile device as a fast and easy way to make secure purchases in stores or on the web.

My Money 101

Become Checking Savvy with a Free Online Tutorial

Explore common features of a checking account including how it works and the difference between a credit and debit card.

To access our full library of financial education modules covering banking basics, loans, savings and much more.
Further Information.

* Annual Percentage Yield (APY) for Bethpage Free Checking Account is %, effective as of , and is subject to change without notice. % APY will apply for each month that a member (i) is enrolled in online banking with eStatements, (ii) receives a direct deposit and (iii) makes 10 point-of-sale debit card transactions.

** All calculations received by using the calculator tools on this page are estimates only.

† The owner of the ATM may impose a fee.