Better Than Free Checking

The account that says, “Thank you.”

Free should be standard. Rewarding up to 1% cash back on debit card purchases* and 3% APY* on your change is how we say, “Thank you for using Beehive.”

Apply Now » Add to Existing Account
Home » Products » Better Than Free Checking

Better Than Free Checking

Beehive Bill Pay

Spending time paying all of your bills manually? Beehive Bill Pay is designed to save you time and makes managing your bills easier than ever. Set up recurring payments fast and make other payments with one click!

Pay your friends through email

At lunch with friends and forgot your wallet? Beehive Bill Pay now provides a way to pay your friends by entering their email address.

Pocket Change

One of the rewards associated with a Better Than Free Checking Account is the Pocket Change Account. Every Time you use your debit card we will round up your purchase to the next dollar. That extra “change” will go into an account with 3%* interest on it. It is surprising how quickly your change adds up!

Card Cash

Another reward associated with a Better Than Free Checking Account is Card Cash. Every time you run a debit transaction as credit, these will accumulate towards a cash back reward. Once you spend over $700.01 in a month, you will get up to 1% cash back!

Mobile access

With the Beehive mobile app you can manage your accounts through the phone in your pocket. In addition, you can deposit checks, make payments with Apple Pay™, find an ATM or shared branch locations, and more!


There are no monthly service fees associated with a Better Than Free Checking Account. You are free to enjoy the wonderful benefits that come with the account. It really is our way of saying, “Thank you for being a Beehive member.”


For complete account information, refer to the Membership Agreement & Disclosure Statement (PDF). You will also receive a copy when you open an account.


  • Beehive Bill Pay simplifies bill payments
  • Send payments to friends using email
  • up to 1% cashback on debit cards
  • 3%* Pocket Change Account
  • Apple Pay™ compatibility
  • Mobile Banking with mobile deposit
  • Nearly 30,000 surcharge-free ATMs
  • 5,000+ shared branches nationwide
  • No monthly service fee