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!

Enroll now

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

Image-female-laptop-pointing at money management toolsOnline Banking Key Features

  • Free!  No service charge for BCT Online Banking
  • Secure access to registered BCT accounts using one login
  • Bill Pay - pay businesses and organizations, plus transfer funds to your accounts at other financial institutions
  • Move Money - Send funds to people using Pay a PersonSM and 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.



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

Mobile App Banking Features


Deposit checks 

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.1

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. 2


Debit Card Controls

Allows you to set spending limits, set-up purchase notifications, and much more. This also helps you prevent misuse and fraud by allowing you to turn your BCT Debit Card ON and OFF with ease.

1 Charges may apply

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



A more powerful online experience with enhanced tools and features for both Personal and Business.

HIGHLIGHTS:  Personal 

  • Money Management tool will automatically track spending by category, forecast budget and savings goals, track debt and payoffs, and much more.
  • After initial LOGIN, there's no need to change your password.  The new multi-factor security will keep your account safe.
  • Send money to family and friends easily by Mobile or Desktop.
  • Enhanced BillPay has a fast payment solution by enabling you to pay bills using your BCT Debit Card. You may also use direct payment from your checking account.
  • Control your BCT Debit Cards by setting spending limits, geographic spending zones, and parental controls.  Also, turn cards On and Off. 
  • New Mobile Apps:  APPLE STORE (iPhone, iPad);  GOOGLE PLAY STORE (Android devices)


  • Customize reports to your unique business needs.
  • Mobile Banking has a feature enabling you to securely approve Wires and ACHs, including those for payroll.
  • One-view capability of your business and personal accounts is included, but you can select to see only business accounts if desired. 
  • Control your BCT Debit Cards by setting spending limits and geographic spending zones by individual or group.  Also, turn cards On and Off.
  • Business Mobile Apps:   APPLE STORE (iPhone, iPad);  GOOGLE PLAY STORE (Android devices) 



Personal Online & Mobile Banking 

FAQ's & User guide

Business Online & Mobile Banking

FAq's & user guide



Alerts and Notifications Enrollment

Setup 'push' notifications to your mobile devices and email regarding account activity, such as a low balances. These notifications and alerts are automatically sent according to your setup preferences.

  1. Login to BCT Online Banking
  2. From the home screen, in the top right corner click the MY SETTINGS link
  3. Look for OTHER SETTINGS at the bottom of the MY SETTINGS screen
  5. Follow the instructions of the ALERTS & NOTIFICATIONS page  (see snippet example below)