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1-800-628-7070          Routing #: 221473652

Free Checking
Account From Bethpage

Checking that's easy on you and your wallet

  • No monthly maintenance fees

  • Open a checking account online

  • Use your debit card at 30,000 free ATMs nationwide[1]

  • Send and receive money with friends and family using Zelle®[2]

  • Free checks when you set up direct deposit.

  • Your funds are federally insured up to $250,000 by the NCUAThe National Credit Union Administration is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions.

Today’s checking rates

Earn APY [3] with required activities
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.
. That is % more than the national average! [4]
No minimum balance required. (And, no service or maintenance fees either)
See how Bethpage’s rates compare against the big banks    

Check in on your Checking account 24/7

Manage your account from anywhere, anytime with mobile banking. Set up alerts and notifications to let you know when your balance is low or a payment is due.

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Move your money easily

Pay bills and transfer funds between your Bethpage accounts and loans.

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Deposit checks on-the-go

With Mobile Check Deposit you can deposit checks right from your smartphone.

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Other great Mobile Banking features

  • Link to your digital wallet

  • Secure login with face or touch ID

  • Notifications and alerts

  • Send money to friends and family with Zelle®

  • Budget tools

  • Remote check deposit

A checking account that is built around your needs

Schedule Appointment

Bank at your convenience

Fee Free ATMs

Fee-free
ATMs [1]

Shared Branch Network

Shared branch network

Access your account – anytime, anywhere.

At Bethpage, we offer a variety of ways you can bank through in-person and digital services. Access your accounts 24/7 in a way that is secure, fast, and easy through Digital Banking. Connect with a Bethpage representative on your time with scheduled appointments in-person, on the phone, or over video.

Schedule an appointment
Schedule Appointment

You shouldn’t have to pay to access your own money.

At Bethpage you have access the most surcharge-free ATMs across the country! Through the CO-OP ATM network, you can access more than 30,000 fee-free ATMs, even if it is a different financial institution[1]. Just look for the CO-OP logo:

Shared Locations

Find your nearest ATM

ATM Icon

Because banking should be convenient.

Bethpage participates in the CO-OP Shared Branch Network, which allows you to perform basic transactions at over 5,000 branch locations. Whether you are at work, home, or your favorite travel destination, Bethpage is always nearby.

Find your nearest Shared Branch location
Shared Branch Locations

How to open a Checking Account

Tell us about yourself

Our secure online application takes about 5 minutes to fill out and will let you know right away if your account is approved.

Activate your account

Once your information is verified, your account will be activated right away. New members will be asked to fund a $5 Savings Account.

Download the Bethpage App

Start banking as soon as your Checking account is confirmed. Download the Bethpage App and access your accounts on-the-go.

What do I need to open an account?
To complete an application, you'll need a photo ID such as a driver's license, state identification card or passport. You will also need your Social Security Number and a mobile device.

If you are applying for a joint application, you will need the other party's identification, too.

Have a question? Get answers here.

Popular questions

How can I deposit checks?

What is a CO-OP Shared Branch and how do I find one?

A CO-OP Shared Branch is a Bethpage or other credit union branch that participates in the CO-OP Shared Branch 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.

CO-OP 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 CO-OP Shared Branches, use our branch locator.

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
  • - Make 10 point-of-sale debit purchases using your Bethpage Debit Card
  • - Enroll in online banking with eStatements

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.

We're doing something right

4.8

App Store rating

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5.0

2021 Bankrate checking account rating

Bankrate
Yes

I decided to switch to Bethpage Federal Credit Union because of the outrageous fees my previous bank was charging for a simple checking account. I am so happy I switched.

- Christina C

Yes

I was reluctant at first, but I quickly realized that this credit union actually cared about customers.

- Lawton

Yes

About ten years ago I opened an account with Bethpage FCU and it was easily one of the best decisions I have made.

- Tony F

[1] No-fee ATMs must show CO-OP logo. Total locations include access to ATMs and credit union branches that participate in the CO-OP Shared Network, which include Shared Service Centers. ATM transactions performed at ATMs outside of the CO-OP Shared Network may be subject to the ATM owner's fee.

[2] Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

[3] Annual Percentage Yield (APY) for Bethpage Free Checking Account is 0.40%, effective as of , and is subject to change without notice. 0.40% 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. No minimum balance requirements to earn APY. If the qualifying transactions are not posted by the end of a given month, then the Bethpage Free Checking Account will earn a 0.00% APY.

[4] National average as reported by Datatrac as of .

Apple, the Apple logo, Apple Pay, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Android, Google Play, and the Google Play logo are trademarks of Google Inc.