Thank you for choosing Billings Federal Credit Union for your financial needs. You are minutes away from opening your account!


  • If you are a NEW MEMBER at the Credit Union and would like to apply for membership and accounts, click here to get started.
    • Already Applied? Click here to check revisit your application.
  • If you are an EXISTING MEMBER at the Credit Union and would like to add additional accounts to your membership, login to Online Banking and select the Open Account tab.

Save time and money with a Billings Federal Credit Union checking account. And, you can simply your life with direct deposit of your paycheck and automatic transfers to make loan payments.

  • No minimum balance requirement
  • No monthly maintenance fee*
  • Unlimited check writing
  • Free Visa Check Card – (Earn SuiteRewards)
  • Free access to Billings Federal ATMs
  • Free (non-BFCU) ATM Transactions**
  • Free Online Banking and Bill Pay
  • Free Mobile Banking (data and other wireless carrier charges may apply)
  • Free 24-Hour Phone Banking
  • Overdraft Protection Available***

*eStatements required, $5.00 per month for paper statements. **Three free per month; $1 thereafter. ***Subject to approval. Courtesy Pay may provide certain account holders age 18 and above the ability to overdraw their checking account up to $500 if the account has been opened at least 60 days and the account is maintained in good standing. An account in good standing is defined as: regular deposits are sufficient to cover transactions, the account is brought to a positive balance at least once every 30 days and there are no legal orders outstanding on the account. BFCU may, at our sole discretion, pay overdrafts up to the limit. As of November 1, 2017, this fee is $32 per item. If an account remains overdrawn for 30 consecutive days, the account may be sent to collections. Remember, it is not a loan and it costs nothing unless the service is accessed by initiating a check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone-initiated withdrawal, electronic funds transfers or any other withdrawal request that would overdraw the account when presented. You may opt-out of Courtesy Pay at any time by notifying BFCU.