Personal Online Banking

Bank from the comfort of your home or office. BCT Personal Online Banking allows you to manage every aspect of your banking relationship using our convenient and secure online banking.

You can access your accounts from anywhere in the world from a computer with internet access and one of the most current, popular browsers such as Chrome, Safari, Firefox, or Internet Explorer. Additionally, you can register multiple BCT accounts on which you are an owner, making it easier to see your full financial picture. Personal Online Banking is required to use Mobile Banking. Enroll today to stay connected to your BCT relationships!

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Personal Online Banking Key Features

  • Free!  No service charge for BCT Online Banking
  • Secure access to registered BCT accounts using one login
  • BillPay - pay businesses and other people, plus transfer funds to your accounts at other financial institutions
  • Transfer funds between registered BCT accounts
  • Personalized alerts and notifications, such as Low Balance (see below)
  • E-Statements
  • View check and deposit images
  • Export your BCT transactions to financial software such as Quicken® and Quickbooks®
  • Mobile Banking uses our secure Mobile App as a means to access and conduct transactions with your accounts. (must first enroll in Online Banking)
  • Text Banking (enrollment instructions below)

Mobile Banking using the BCT Mobile App

BCT offers free Mobile Banking through the BCT Mobile App. You can bank anywhere, anytime, using your hand-held device. A perfect solution for individuals, families and small businesses.

Download our free BCT Mobile App to your mobile device, whether Apple products like iPhone and iPad, or Android (Google) products.  To access the BCT Mobile App simply click on your device's App store below.

google-play-badge-133x40   AppleStore-icon-120x40

Mobile App Banking Features


Deposit checks 1 

This is a great tool for students, commuters, or anyone who can’t make it to the bank. Use your mobile device's camera to deposit checks anywhere at any time.

Account balances and transaction history

View your records going back 18 months.


Account transfers

Initiate account transfers between your BCT accounts as well as your other accounts at other financial institutions.2

BCT BillPay

BCT Personal BillPay is a free service through BCT Personal Online & Mobile Banking. It provides many features that make bill-paying easier for you. Pay your bills online. It's fast, easy, secure and free! Pay as many bills as you like without any transaction fees...and no postage stamps required. Once you use BCT BillPay, you'll never want to write a check again. 3


BCT MyCardRules™

Allows you to set spending, geographical and parental controls. This also helps you prevent misuse and fraud by allowing you to turn your BCT Debit Card ON and OFF with ease.

1 Mobile deposit requires enrollment. Contact our Customer Care Center at 800-296-8431. To utilize this Mobile Deposit feature you will need to be a registered BCT Online Banking user and download the BCT Mobile App.

2 Charges may apply

3 Must be enrolled in, and set up through, online banking before payments can be made

Alerts and Notifications Enrollment

Setup 'push' notifications to your mobile devices about account activity, such as a low balance. These notifications and alerts are automatically sent to your mobile device.

  1. Login to BCT Online Banking using ID/password
  2. From home screen go to OPTIONS tab
  3. In this sub-menu, choose MOBILE SETTINGS
  4. Another sub-menu appears with 2 options: WEB and TEXT (you should notice that the system defaults to WEB) if not, click on WEB.
  5. Click on enable to get web access
  6. Click to receive text alerts for account activity such as confirmations on bill payments and money transfers.
  7. Enter mobile number
  8. Select mobile carrier
  9. Select accounts you want to access
  10. Select submit
  11. An online agreement will appear. Once read, scroll to the bottom of the page and click AGREE.
  12. You will receive a text message on your mobile device. Follow the URL that will be provided to access online banking. You may want to bookmark or save this URL.
  13. If you have a Smartphone (iPhone, Android device), download our free Mobile App for a fast, convenient experience on your mobile device - iPhone®, iPad®, and Android™. Since your mobile account is already established, you will be able to see all your accounts once you download and install our BCT Mobile App. Should you want to change that setting, go to the MOBILE SETTINGS tab and choose accounts.

Mobile Text Banking*

Setup your cellphone to enable you to request real-time account information such as balances or transaction history from your cellphone or smartphone.

  1. Login to BCT Online Banking (formerly NetTeller) using ID/password
  2. From home screen go to tab titled OPTIONS
  3. In this sub-menu, choose MOBILE SETTINGS
  4. Choose TEXT from the options in this sub-menu
  5. Click on enable
  6. Enter mobile number
  7. Give each account you wish to access a short nickname (example: home checking, child savings, etc.)
  8. Click SUBMIT
  9. An online agreement will appear. Once read, scroll to the bottom of the page and click AGREE.
  10. You will receive instructions to text a 5 digit number to another 5 digit number. (The text message will give both of these 5 digit numbers).
  11. It is suggested to add this 5 digit number to your Contacts using a name easy to recall (example: BCT Mobile text)
  12. You can then text the Contact and receive account information.

*Wireless text connection required. Usage fees may apply. Contact your wireless provider for details.