Secure Checking* makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases. And, you can simplify your life with direct deposit of your paycheck and automatic transfers to make loan payments.

Registration and Activation of Secure Checking benefits is simple:

  1. Go to and follow the simple step-by-step instructions to register and activate benefits, or
  2. Call 1-866-210-0361.

You will need your Access Code in order to register and activate benefits with Secure Checking. Call 1-866-210-0361 for questions related to any of the benefits or for assistance with registration and activation.

Mobile App

Once you are set up, access to Secure Checking benefits has never been easier! With the Secure Checking mobile app, you have immediate access to discounts and savings and even your credit report and credit alerts. Get it now! Search for Secure Checking mobile app and experience the convenience today.

Keep Yourself and Your Family Safe from Fraud and Loss

  • Identity Fraud Expense Reimbursement Coverage
  • Comprehensive Identity Theft Resolution Services
  • Debit and Credit Card Registration
  • 3-in-1 Credit File Monitoring
  • 3-in-1 Credit Report
  • Total Identity Monitoring

Secure Checking also protects you from unexpected losses

  • Accidental Death & Dismemberment Insurance
  • Cellular Telephone Protection

Save when you bank

  • No minimum balance requirement
  • Unlimited check writing
  • Earns market rate of interest
  • .10% interest rate premium on share certificates (terms of one year or more)
  • .50% consumer loan discount (some restrictions apply)
  • Free Cashier’s Checks**
  • 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 charges may apply)
  • Free 24-Hour Phone Banking
  • Overdraft Protection Available****

Save when you play

  • Travel and Entertainment Discount Membership

Save on Healthcare

  • Health Discount Savings

*Some restrictions apply; $3.95 per month; see Secure Checking brochure for details. **One free per month; $3 per cashier’s check thereafter. ***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.