Free Checking

Better rates. Better service. No surprises.

  • No minimum balance
  • No monthly fees
  • Earns interest

Open your free, no fee**, checking account online and get an instant decision.

Most banks offer a variety of checking accounts, with a lot of strings attached. Fall below a minimum balance or some other requirement, and watch the fees kick on.

Bethpage isn’t a bank. We’re a credit union. Which means we can do everything a bank can, but with better rates, better service and no surprises. So it should come as no surprise that we offer the best free checking account on Long Island.

Here’s what you get for free.

At Bethpage, we keep free checking simple. One account for everyone with no hidden charges. Bethpage Bonus Checking features:

  • NO monthly fees**.
  • NO minimum balance requirement.
  • Earn 1.00% APY*. Simply use direct deposit, FREE online banking with eStatements and make 10 point-of-sale transactions with your debit card each month.
  • Receive a free debit card as soon as you open the account.
  • No fees on foreign ATMs.
  • No fees for debit card usage.
  • Free Online Banking.
  • Free Mobile Banking.
  • Free Online Bill Pay.
  • Free Mobile Check Deposit.
  • MasterCard SecureCode provides added security for all of your online purchases whenever you use your Bethpage MasterCard debit card. Register your card today.

Open An Account »

MasterCard SecureCode

Bonus Checking

Core Checking*

Total Checking*

Basic Checking

Pays Interest





Monthly Fee


Required opening deposit of $25. $250 direct deposit or average daily balance of $1,500 or more required or pay $12 monthly. Pay no fees when you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts). Students under the age of 23 who are enrolled in a high school or college, university, or vocational program are eligible to waive the monthly maintenance fee.

$25 minimum deposit to open. $500 direct deposit or $1,500 minimum daily balance, or average daily balance of $5,000 linked in deposit / investment or pay $12 monthly.

Complete 1 qualifying Direct Deposit AND 1 qualifying Bill Payment during the statement period or maintain $1,500 or more in combined average deposit balances or pay $25 monthly.

Foreign ATM Transactions within the U.S.


$2.50 fee for non-BOA ATM withdrawal, balance inquiry or transfer. $5/transaction Non-Bank of America ATMs outside the U.S.

$2.50 fee for non-Chase ATM withdrawal, balance inquiry or transfer. $5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands

$2.50 fee for non-Citibank ATMs, or Free if the first listed account owner is 62+.

Information accurate as of

Money Management is about knowing how and where you are spending your money each day and how to plan and budget to save for tomorrow.

To learn more about managing your finances, visit our Money Management Advice & Planning section.