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Checking Accounts Overview

MyMoney

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  • Receive funds up to two days early*
  • No savings overdraft fees
  • Annual overdraft fee waiver**
  • No monthly service charge when requirements met***
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Live Free

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  • NO minimum balance requirements
  • NO monthly maintenance fee*
  • NO direct deposit requirement
  • Option to add overdraft protection**
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Begin Banking

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  • Designed for ages 14-26
  • NO monthly maintenance fee*
  • NO direct deposit requirement
  • NO savings overdraft fees
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Saving Makes Cents

Sign Up. Swipe. Save! With Saving Makes Cents, each time you use your Bellwether debit card, we’ll round up the change and deposit that extra cash in your savings account.

Start Saving Today

It’s Your Money; Switching Is Easy!

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Switching your direct deposits and automatic payments over to Bellwether doesn’t need to be a hassle. Now it’s easier than ever, thanks to ClickSWITCH.

In as little time as 10 minutes, you can switch all your direct deposits and automatic payments to your new or existing checking account at Bellwether. This eliminates the hassle of having to contact each business and helps ensure that you don’t miss a payment during your account transition.

Switch Your Account Today
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Checking Account Comparison Chart 2024-1-1

 

FAQs

How does a checking account work?

A checking account is a bank account that's used mainly for transactions. In fact, the technical term for a checking account is a "transaction account." The owner can usually withdraw from or deposit money into a checking account at any time. When you have a checking account, you can get a checkbook to write checks.

What if I accidentally spend more than what’s available in my Checking Account?

We know mistakes happen. That’s why Bellwether offers Courtesy Pay for eligible members if you accidentally overdraw your checking or savings account. With Courtesy Pay, we’ll cover eligible overdrafts in your account up to $500, so your transaction can be processed. Learn more here.

Does a debit card work with a checking or savings account?

A debit card is linked to a checking account. When you use a debit card to make a transaction, the money is pulled from your checking account. It's a substitute for cash.

How do I check my checking account?

You'll have a variety of ways to check your checking account when you open one with Bellwether. You can check your account at any one of our three New Hampshire branches, or access your account online or on our free mobile app. We can also send you monthly account statements by mail.

MyMoney Account
*Immediate credit of your direct deposit to your Bellwether MyMoney Account up to two business days early is based upon when we receive your payroll from your employer. Bellwether cannot assume any liability for not depositing these funds to your account early. You must be a member of Bellwether or eligible for membership with direct deposit of net pay into a MyMoney Account.
**Must have a MyMoney Account to qualify for annual overdraft fee waiver. Our standard overdraft fee is $19. Fees apply for all transactions and are imposed immediately with no repayment period.

Live Free Account
*Other fees may apply please consult our Consumer Schedule of Fees for more information.
**Overdraft Protection requires credit approval. Fees apply.

Begin Banking Account
*Begin Banking Account is a transactional account available to members ages 14 through 26 and will convert to a Live Free Checking account during the month following the primary members’ 27th birthday.  The minimum balance required to open is $25.00.  No monthly service charge. Dividends and courtesy pay not available. Required joint owner adult until 18. Federally insured by the NCUA.
**Other fees may apply please consult our Consumer Schedule of Fees for more information.

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