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Free Checking

No-fee checking that earns interest*

Bethpage offers a free checking account that’s really free. Pay no monthly fees, with no minimum balance requirements, plus enjoy convenient access to your money through a network of free ATMs and Shared Branches nationwide.

Everyone can bank at Bethpage[1] — including residents of Queens. Open an account online today!

Free Checking delivers big benefits

No minimum

No minimum balance

No fees

No monthly maintenance fees

Earn 1.00% APY

Earn % APY* each month for things you do every day

Access free ATMs

Access free ATMs[2] and Shared Branches worldwide

Mobile Banking

Convenient, free and secure online and mobile banking

Our checking account rates are higher than the competition

With Free Checking you’ll earn % APY* each month simply by:

  • Using your Bethpage MasterCard® Platinum Debit Card for 10 purchases
  • Receiving a direct deposit into your Free Checking account
  • Signing up for e-statements

As a credit union, our profits don’t go to shareholders. They are reinvested into member benefits, such as higher rates and lower (or no) fees. See how our Free Checking account rate compares to those offered by banks.

See how our rates compare

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 - % APY  
Ally Bank - % APY 
National Rate Average - % APY  
Rates displayed are accurate as of . National average as reported by Datatrac.

Get started

Everyone can bank at Bethpage.[1]

If you’re new to Bethpage, you will first need to open a Savings account with a minimum deposit of $5.
Open a Free Checking account online. Be sure to have the following:
  • Social Security Number
  • Driver’s License or Government-issued ID
  • Any joint owner information
Start taking advantage of everything a Bethpage Free Checking account has to offer!

Frequently Asked Questions

How do I deposit checks?
Is money in my checking account insured?

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.

When will I receive my debit card?
What kind of online banking can I do with my Free Checking account?

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

  • Pay your bills electronically
  • Deposit checks using mobile deposit
  • Get real-time balance information
What is a Shared Branch?

As a part of the CO-OP Shared Branch network we make it easy to bank at Bethpage even if you are not near an actual Bethpage branch. Bethpage members can visit any non-Bethpage credit union that displays the CO-OP Shared Branch logo and perform a variety of transactions including depositing or cashing checks and making withdrawals. There are more than 5,600 CO-OP Shared Branch locations around the country.

Shared Locations

What if I need a Bethpage Federal Credit Union branch?

Chances are there is a Bethpage Federal Credit Union branch near where you live or work. We have a branch in Manhattan, as well as several branches in Nassau County that are located just minutes from the Queens border.

View branch locations
Are there any fees when I use non-Bethpage ATMs?

One of the benefits of Free Checking is that you have access to over 30,000 free ATMs nationwide. To avoid ATM fees, look for the CO-OP ATM logo. Any ATM that has the logo is free for Bethpage members to use, regardless of the institutional name on the ATM.

Shared Locations

You can also use ATMs outside of the Bethpage/CO-OP ATM network. If you do, the owner of the ATM may charge you a fee at the time of the transaction, but Bethpage will not.

Find an ATM near you
What monthly fees are associated with a Bethpage Free Checking account?

A Bethpage Free Checking account has no monthly fees. Fees associated with insufficient funds will apply as necessary.

Can I open a Bethpage account with an IDNYC card?

IDNYC is the new, free identification card for all New York city residents. Unfortunately, a Bethpage account cannot be opened with an IDNYC card. We do accept a driver’s license, non-driver ID card or passport.

Unfortunately, we can't accept a military ID for online account opening. Please use another form of ID or visit one of our branches.

Do you have other checking account options?

Yes. In addition to Free Checking, we also have Youth/Student Checking and Young Adult Checking accounts.

* 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. Fees or other conditions could reduce earnings.

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

[1] Membership is open to anyone with a $5 Savings account.
Must be a US citizen or permanent resident alien.

[2] The owner of the ATM may impose a fee.