One simple checking account to meet all of your spending needs
Simplify your finances with BluPeak’s BluRIPPLE Checking Account. With no monthly fees2, no minimum balance, and a low $25 opening deposit, it’s the easy, stress-free way to manage your money. Go paperless with eStatements and enjoy all the features you need—without any extra costs. Whether you’re starting your first job or juggling everyday expenses, BluPeak makes checking simple, smart, and totally hassle-free.
It’s not just a checking account.
We’ve designed the BluRIPPLE checking account to support your everyday needs, while protecting your money and helping you move toward your financial goals.
Every BluRIPPLE Checking Account comes with fraud monitoring, EMV chip cards, and secure login features, so your finances stay safe.
Bank on the go with our top-rated mobile app, smartwatch banking, and instant access to over 30,000 surcharge-free, CO-OP ATMs nationwide.
Say goodbye to hidden charges. Enjoy no monthly service fees2 when you use eStatements, plus direct deposit and bill pay for added ease.
Manage your BluRIPPLE Checking Account anywhere, anytime — safely and securely.
No matter where life takes you, your BluPeak checking account travels with you. From mobile banking to digital payments, we make everyday money management easy. And, your account is securely protected.
Deposit checks1, view balances, transfer funds, and pay bills securely from your favorite digital device.
Direct Deposit
Want to get your money faster? Setting up direct deposit is really easy.
Automatic Bill Pay
Set up automatic recurring transactions so you never accidentally miss another payment.
Smartwatch Banking
Count your steps; mind your balance. Smarwatch banking lets you monitor your money at a glance.
Thanks to the CO-OP Network, you can access ATMs nationwide surcharge-free.
Set up text or email alerts to track what you need to know, and get all your account statements electronically.
Our debit cards are equipped with EMV chip technology to protect your money – and your identity.
What Our Customers Say
Opening my checking account with BluPeak was a breeze. I love how easy it is to manage my money online and avoid unnecessary fees.
Maria G.
San Diego
The mobile app and free ATMs are huge perks. I feel like I have a modern bank that actually cares.
Jordan W.
Sacramento
Tools & Resources to Manage Your Checking Account
Take control of your finances with tools that help you plan, save, and stay on track:
- Checking Account Rates
- Mobile Wallet Guide
- Calculators to balance your checkbook and assess spending
- Setup online banking and automatic bill pay
- Direct Deposit Authorization Form
- Set up Direct Deposit for Social Security Checks
Bank Better, Create a Ripple of Change — Open a Checking Account Today!
When you open a BluRIPPLE Checking Account, you’re doing more than simplifying your finances—you’re joining a movement. Every account helps support BluPeak’s mission to expand access to clean water around the world. Together, we can make waves for good, one transaction at a time.
Checking Account FAQs
Can I open a BluRIPPLE Checking Account with BluPeak online?
Yes! You can open a checking account entirely online in just a few minutes. You’ll need a government-issued photo ID and basic personal information to get started.
Is a BluPeak’s checking account FDIC or NCUA insured?
A BluPeak Credit Union checking account is insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, per ownership category.
How can I avoid checking account fees?
Great news! BluPeak’s checking account has no fees and comes with free eStatements.
Does BluPeak offer overdraft protection on checking accounts?
Yes. You can opt in to overdraft protection and link your checking account to another BluPeak account or a line of credit to cover transactions if your balance is too low.
How do I order checks?
The fastest way to order checks is through Online Banking. Select the Additional Services tab, then the Check Reorder link. You can also reorder checks directly through the Harland Clarke Website using the reorder coupon found in your checkbook.
For security reasons, checks can only be ordered online if your information has not changed. If you need to update your name, address, or phone number or to check the status of your check order, call us at 866.873.4968.
How do I add or remove owners from my deposit account?
Adding someone to your account can be accomplished quickly and easily at your nearest BluPeak Credit Union branch. Both parties — current and prospective co-owner — must visit a BluPeak Credit Union branch and provide valid, government-issued personal identification. If you have questions or would like to mail required documentation, please call 866.873.4968.
What is overdraft protection?
An overdraft occurs when you do not have enough available balance1 in your account to cover a transaction (subject to the applicable fee).
- Overdraft Transfer Service gives you peace of mind should you accidentally overdraw your account by using funds in your other BluPeak deposits accounts or line of credit loans to pay the item.
Here’s how it works. You select which accounts and which order you want us to use when accessing your other funds. For example, you can set the overdraft to pull from your savings account first and then your line of credit loan.
This service is subject to the available balance in your designated savings account and is subject to a $10 fee per item for savings transfers and subject to the available loan balance (the unused available credit line) and interest begins accruing at the time of advance for loan transfers.
To learn more or set up Overdraft Transfer Service, call us at 866.873.4968, send a secure message through online banking or visit a branch location.
- Courtesy Pay Overdraft Service is an additional option to minimize the inconvenience and cost associated with overages. With Courtesy Pay Overdraft Service, we cover overdrafts on ATM and everyday debit card transactions, checks, ACH and other electronic transactions made using your checking account number.
Each covered item will incur a fee of $24 for each item, subject to the daily maximum of fees per day combined Courtesy Pay and NSF. A fee is not charged if the resulting available balance is less than $20 negative.
To learn more or set up Courtesy Pay Overdraft Service, call us at 866.873.4968, send a secure message through online banking or visit a branch location.
Please note Overdraft Transfer Service and Courtesy Pay Overdraft Service are separate services. You must Opt-in to the specific program to activate the protection.
How do I set up Direct Deposit?
To set up a payer direct deposit relationship, please complete our Direct Deposit Form and submit it to your employer, state or federal agency, or to another entity that pays you on a regular basis.
If you’re using a different direct deposit form, please be sure to enter our Routing and Transit Number: 322281691.
Disclosures
Must meet membership and account criteria. Mobile and data rates apply when using Mobile Banking.
- Deposit up to $10,000 per day. Mobile check deposits are subject to verification and may not be available for immediate withdrawal. Other restrictions apply.
2. Additional fees may apply based on account usage. Refer to the Schedule of Fees and Charges for more information.