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  • Apply for ATM/Debit Card
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Free Checking

Blue Flame Credit Union offers Free Checking accounts with the savings and convenience you need to manage your financial needs economically.

Convenience and Value

After a savings account, a FREE Checking Account at Blue Flame should be the next addition to your financial toolbox. With the ability to move money and pay bills, a checking account is a hard-working and busy asset for every money manager.

Set up Direct Deposit of your paycheck or recurring income, and accessing your funds with our checking account is easy.

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  • ATM/Visa Debit Card
  • Online Banking with Virtual Branch
  • Mobile Banking and Deposit
  • Telephone Banking
  • CardValetOpens in New Window (app for Debit Cards)
  • Shared BranchingOpens in New Window, and much more.

Blue Flame Checking Accounts feature:

  • NO Monthly Service Fees or Charges
  • NO Minimum Balance Requirement
  • FREE Checks (First Order, Duplicate Checks)
  • Access to over 30,000 surcharge-free ATMs worldwideOpens in New Window
  • Daily Dividends (Compounded Monthly on Average Balances of $200 or More)
  • Overdraft Protection from Overdraft Line of Credit or your Savings Account
  • Online check reorderingOpens in New Window
  • EMV Chip ATM/Debit Cards
Learn more about Keeping Your Account Balanced
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Savings & Checking
Savings & Checking APY* MIN BAL**
Checking 0.05% $200†
Effective January 19, 2023
Regular Shares, Youth Shares and Young Adult Shares earn dividends quarterly. Christmas, Vacation and IRA Savings, and Checking Accounts earn dividends monthly.
*APY = Annual Percentage Yield
**Minimum balance before dividends can be earned.
†Accounts have a minimum AVERAGE daily balance required before dividends can be earned.

ATM/Debit Card Activation & PIN Selection


You may select a PIN for your BFCU ATM/Debit Card by calling 1-800-992-3808
  • Buying a Car
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    Academic Scholarships
    BFCU 2023-24 Scholarships through Carolina's Credit Union Foundation are now open!
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    Unbeatable Auto Loans
    Have a high interest RV/Auto loan? Score with BFCU and go for a discount.
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  • Father and Son
    Home Equity Line of Credit
    Need some extra money? See how our Home Equity Line of Credit Loan can help you!
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    Young Member Accounts
    It's never too early to start saving! Help your child start their financial future today!
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    FREE Checking Accounts
    What's better than FREE Checking Accounts? Nothing! Apply and get yours today.
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  • Family RV
    Adventure Awaits
    Recreational vehicle loans with rates as low as NEW 4.99 APR* | USED 5.99 APR*
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  • Family enjoying fall
    Activites for the Holidays!
    Being a Blue Flame members pays off! We have discounts on activities for you and your family this holiday season.
    Learn More
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  • Main Branch
    2000 Continental Blvd.
    Charlotte, NC 28273
  • Mailing address
    2000 Continental Blvd.
    Charlotte, NC 28273
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  • Routing #253074951
    BFCU NMLS #410635
    Member First Mortgage NMLS #149532
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Helping you, our member, achieve financial success!
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Helping you, our member, achieve financial success!
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