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 balance
No monthly maintenance fees
Earn % APY* each month for things you do every day
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
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 signing up for a Free Checking account online, you should receive your debit card in 7-10
business days. If you open an account at a branch, you may be able to receive a card instantly.
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.
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.
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.
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.
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.
* 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.
