Checking Accounts
We now have three great options for your BMFCU Checking Account!
Introducing our Classic Checking Account for members who want a no-nonsense checking account, our Perks Checking Account for our members who make heavy use of online banking and debit cards, and our Perks Plus Checking Account for our members who want all of the perks!
Rates & Account Terms
Classic Checking Account
- $10.00 Initial Deposit to Open Account
- No Monthly Fee
Perks Checking Account (NEW!)
- Basic Qualifications Apply*
- $10.00 Initial Deposit to Open Account
- $2.95 Monthly Fee**
- 1.50% Dividend Rate1
- 1.51% Annual Percentage Yield1
- 2.00% Cashback Rebate (on first $250 in debit card purchases)
- Compounds Monthly
Perks Plus Checking Account (NEW!)
- Basic Qualifications Apply*
- $50.00 Initial Deposit to Open Account
- $5.95 Monthly Fee**
- 1.50% Dividend Rate2
- 1.51% Annual Percentage Yield2
- 4.00% Cashback Rebate (on first $250 in debit card purchases)
- Compounds Monthly
*Basic Qualifications (applies to both Perks Checking & Perks Plus Checking unless otherwise stated):
**Fee is waived if member has at least one of the following: active loan with current balance of $10,000.00 or greater, and/or a combined deposit relationship of $5,000.00 or greater.
1 On balances up to $2,500.00; balances above $2,500.00 will be paid based on the current Classic Checking Account dividend rate.
2 On balances up to $5,000.00; balances above $5,000.00 will be paid based on the current Classic Checking Account dividend rate.
Features & Benefits
Classic Checking Account
- No minimum balance requirement
- No per-item check processing charge
- Unlimited check writing
- Overdraft Privilege and Overdraft Protection
- Direct deposit of net payroll, social security, retiree pension deposits, etc
- VISA Debit Card (now with Debit Card Round-Up!*)
- Monthly statements (including e-Statements via Online Banking)
- Bill Pay Service (accessible via Online Banking)
- Access to 24/7 ATM services
- Access your Bragg Mutual FCU account from over 30,000 CO-OP credit union ATM locations worldwide
- 24/7 account access via Online Banking (or dial (833) 771-0624 for telephone banking)
Perks Checking Account (NEW!)
- Includes all of the features & benefits of the Classic Checking Account, plus:
- Free Virtual StrongBox
- Free Stop Pay Requests
- Discounts on Check Orders
Perks Plus Checking Account (NEW!)
- Includes all of the features & benefits of the Classic and Perks Checking Accounts, plus:
- No fees for phone inquiries
- No fees on Cashier's Checks & Money Orders
- Free Online Bill Pay
- Free Wire Transfers**
- Real Estate Loan discount for Closing Costs
*Can be turned on per member's request; allows debit card purchases to be rounded to the nearest dollar and the difference is deposited into the member's savings account.
**Funds that are wire transferred to an outside financial institution, or received from an outside financial institution, may be subject to fees assessed by the outside financial institution.
Bragg Mutual FCU offers several different checking account features available to members!
With It's Me 247 Online Banking, you can:
- View & download monthly statements
- View pending transactions & deposits
- Place Stop Payments on checks
- Transfer funds
- Apply for a loan
- Get eAlerts & Text Alerts delivered right to your mobile device
- And so much more
Click on a button below to learn more about these features.
Get full access to your BMFCU account including features like:
- Mobile Deposit Capture
- Bill Pay
- On-Demand Transfers or Scheduled Transfers
- Apply for Loans
- Opening a New Checking Account
- View Cleared Checks
Get the BMFCU App now on the App Store and Google Play for free!
It's easy to get started. Download our BMFCU mobile app from the App Store or Google Play Store, then go to Move Money and register for mobile deposit. Once your registration is approved you can start depositing checks right away!
A couple of tips to make the experience smoother:
- Be sure to endorse the back of your check and write "for mobile deposit only at BMFCU."
- To avoid delays in processing your check, please ensure the image is clear and in focus
- After you have completed your mobile deposit, write DEPOSITED on your check and retain for one week
You can access Bill Pay direct from within It's Me 247 Online Banking
Easily schedule one-time payments, or set up recurring payments that automatically pay your bills on the date you specify. You can also download e-bills to your Bill Pay and also know exactly how much to pay.
Log into It's Me 247 Online Banking on your computer, hover on 'Pay & Transfer' and click on 'Go to Bill Pay'.
Store and access your documents securely via My Virtual StrongBox in It's Me 247 Online Banking.
Use up to 200MB of safe, encrypted storage space to upload all of your important files and documents. Keep all of your legal paperwork, housing and banking files, even family photos and other media in a safe, encrypted storage space.
To access My Virtual StrongBox, simply click below to login to your It's Me 247 Online Banking. Go to 'My Documents', then click 'Go to Virtual Strongbox'. Simply create folders to keep your documents organized.