Ultimate Checking

  • A higher balance earns dividends
  • Get free access to online and mobile banking, and direct deposit
Open an Account Dividend Rates
Rates
as high as
0.15% APY
View All

Make Your Money Work Harder–Earn Dividends Effortlessly 

With Ultimate Checking, the key is to keep a balance of at least $1,500. Do that and you'll qualify to earn dividends, and we'll waive your monthly fee. Beyond that, this checking account delivers all the convenient tools you want in online banking and our mobile app.  

  • Keep a $1,500 minimum balance to earn dividends (earned daily, paid and compounded monthly) and waive the $7.50 monthly service fee
  • Comes with a BHFCU Debit Card
  • Get free money orders and cashier's checks at our branches in South Dakota and Montana
  • Includes a free first order of custom checks, plus easily reorder more in online banking
Money Management, Made Easy

See your complete financial picture in one place. Then, set goals, create budgets, and start planning your financial future.

Connect Your Accounts

Life is already full of moving pieces. That's why we offer options to sync your BHFCU accounts to popular software like Quicken® or QuickBooks®. 

  • Free, near real-time connection to your BHFCU personal and business accounts
  • Pay bills and transfer money 
  • Automatically download transactions and update account balances

You can register for Direct Connect in online banking.

Black Hills Federal Credit Union offers personal checking accounts designed to simplify banking, backed by trusted service throughout South Dakota and Montana.

Get the Ultimate Checking Account
Open an Account

Frequently Asked
Questions

View All FAQs

Maintain a minimum daily balance of $1,500 to earn dividends. Dividends are earned daily and paid and compounded monthly.

Ultimate Checking has a $7.50 monthly service fee, which is waived when you maintain the required $1,500 minimum daily balance.

Ultimate Checking includes a free debit card, money orders, cashier’s checks, your first order of custom checks, and access to Online Banking, Mobile Banking, Phone Banking, and Direct Deposit.

More to Explore

Resources to help you make smart money moves.
8 Budgeting Mistakes and How to Avoid Them
Learn how to avoid common errors so you can make a budget that works for you.
Learn More
Personal Finance Calculators
Use our calculators to help you figure out how to pay off debt quicker, budget, and more.
Personal Finance Calculators
Savings Calculator
See how your savings efforts will add up over time using our handy calculator.
Try Our Savings Calculator
Mobile Banking
Easily brank from your phone anywhere, anytime with our mobile app.
Download our app
High Interest Savings
Give Your Savings a Glow-Up

Watch your money do more with a high-yield saving account that helps every dollar shine a little brighter.

Pages within: