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Eligibility

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To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain certain information. We will verify and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

You must be 18 years or older to apply online for membership. You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Date of Birth

Select your eligibility

I live, work, worship or attend school in the following county.

Please Select:Please Select:

I have immediate family that is an existing member of BHFCU.

Enter immediate family member's name below:

I am a Select Employee Group member or an employee of a Preferred Business Partner.

Enter Company Name below:Enter City below:

I am a member of the American Consumer Council.

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Required Products

Select the following products required for membership

Main Savings

Your Savings Account is your "share" in Bayer Heritage Federal Credit Union and establishes your membership. You earn dividends for financial stability and it is a good start for all your savings goals.

APY: 0.10% Min Deposit: $5.00

In addition, select one of the following products

Available Products

Savings Checking Certificate Account

Primary Checking

How many checking accounts do you know that offer a FREE debit card and no monthly services charge? Ours does. Apply today!

APY: 0.00%

Checking Plus

Earn 1% cash back on purchases up to $10 and refund of ATM fees up to $15! To qualify: monthly complete 15 debit card purchases, log into online or mobile, have at least one ACH deposit into your checking and enroll in Estatements. No monthly fee and free Debit Card.

APY: 0.00%

Secondary Checking

Need an additional checking? Our secondary checking still offers a FREE debit card and no monthly service charges. Apply today!

APY: 0.00%

Vacation Account

A vacation account can be opened in addition to your regular savings account. You can save for the long awaited vacation, a new car or the home of your dreams. We are here to help you get closer to achieving your goals!

APY: 0.15% Min Deposit: $0.00

Christmas Club

Ho, Ho, Ho! Deposits to your Christmas Club will earn dividends and help you meet your holiday shopping needs. Funds from your Christmas Club will automatically transfer to your savings or checking on October 1st of each year.

APY: 0.20% Min Deposit: $0.00

12 Month Certificate

Max APY: 3.44% Min Deposit: $100,000.00

24 Month Certificate

Max APY: 3.15% Min Deposit: $100,000.00

36 Month Certificate

Max APY: 3.01% Min Deposit: $100.00

48 Month Certificate

Max APY: 3.01% Min Deposit: $100.00

60 Month Certificate

Max APY: 3.01% Min Deposit: $100.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.25%	3.25%	$0.00	12 (min)
.	3.30%	3.30%	$100,000.00	12 (min)
.	3.39%	3.39%	$250,000.00	12 (min)
.	3.44%	3.44%	$500,000.00	12 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.10%	3.10%	$0.00	24 (min)
.	3.15%	3.15%	$100,000.00	24 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	2.96%	2.96%	$100.00	36 (min)
.	3.01%	3.01%	$100,000.00	36 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	2.96%	2.96%	$100.00	48 (min)
.	3.01%	3.01%	$100,000.00	48 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	2.96%	2.96%	$100.00	60 (min)
.	3.01%	3.01%	$100,000.00	60 (min)

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

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Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

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Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Date:

Upload Documents

If you are new to the credit union, please upload a copy of your State or Federal issued ID. 

For loans, you may upload a copy of your W2 or last month's pay stub to speed up the process.

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

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About Your Joint Applicant

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Upload Documents

If you are new to the credit union, please upload a copy of your State or Federal issued ID. 

For loans, you may upload a copy of your W2 or last month's pay stub to speed up the process.

Click or tap here to capture or upload an image or document.

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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Please answer the following question(s)

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How did you hear about us?*

Please enter a security code to be used as verification when you call the credit union regarding your account. (Do not use all or a portion of your social security number or your mother’s maiden name.)*

Are you a frequent traveler?*

Do you travel outside of the United States?*

Will the initial deposit exceed $5000?*

Will you deposit or write checks?*

Will you be using mobile/remote deposit capture to deposit your checks?*

Will you deposit or withdraw cash?*

Approximately how much cash do you expect to deposit each month?*

Approximately how much cash do you expect to withdraw each month?*

Will you send or receive wire transactions?*

What is the monthly total of wire transactions that you expect to send?*

What is the monthly total of wire transactions that you expect to receive?*

Will these wires be sent to or received from non-US locations?*

To/From which countries do you expect to send/receive wires?*

Will you send or receive electronic (non-wire) transactions?*

What is the monthly total of electronic transactions that you expect to send?*

What is the monthly total of electronic transactions that you expect to receive?*

Will these electronic transactions be sent to or received from non-US locations?*

To/From which countries do you expect to send/receive electronic transactions?*

Are you currently, or have you ever been a politically exposed person (PEP) or a senior political figure?*

Are you an immediate family member or a close associate of someone who is currently, or who was, a PEP?*

Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

I have read and understand the Bayer Heritage FCU Account Disclosure, Account Agreements and Fee Schedule.

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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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