Checking Services

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Bank smarter with an FMFCU checking account. Choose between free checking and two types of checking accounts that earn dividends. Plus you'll get these valuable free services:

  • Unlimited Check Writing Privileges
  • Direct Deposit
  • Online Banking and Bill Payer
  • e-Statements
  • First order of Checks with Direct Deposit

Free Checking

Checking the way it's meant to be.
The smartest "Totally Free" checking account:
  • No monthly maintenance fee
  • No minimum balance requirement
  • Unlimited check writing privileges

Checking Plus

A step up from Free Checking, get something back for maintaining a balance:
  • Earn dividends
  • No monthly fee with a minimum average balance*
  • Includes all of the services listed in Free Checking

*There is a $10 monthly fee if the average monthly balance falls below $1,000.

Performance Checking

Get higher dividends on higher balances. This is the ultimate checking account for members who maintain high balances and want a checking account that offers yields like a money market account.
  • Free unlimited check orders
  • Free money orders
  • Free cashiers checks
  • Free safety deposit box for one year
  • Free statement and check copies
  • Next day availability of ATM deposits
  • No monthly fee if combined minimum balances are maintained*

*There is a $25 monthly fee if the average monthly balance falls below $10,000. This fee is waived if the combined deposit balances are $25,000 or more within the same member relationship.

Overdraft Privilege

FMFCU is pleased to provide Overdraft Privilege (ODP) to help you better manage your checking account. Overdraft Privilege is a new discretionary service provided to our eligible members designed to give you a safety net and peace of mind when unexpected emergencies arise. This service can help save you the expense and embarrassment of having your items returned and avoid additional fees that merchants may charge.

Overdraft Privilege has no monthly fees or additional paperwork. Members who are eligible for the privilege will be notified by mail of their ODP coverage limit. Should an overdraft occur, your account would be charged the standard NSF (non-sufficient fund) fee of $35 per item.

ODP will cover: ODP will not cover:
Checks drawn on your account Transactions at the teller window
ACH (electronic) Transactions Transactions at the ATM
Point of Sale (POS) transactions with your Debit Card Internet Banking Transfers
FMFCU Bill Payer Transactions Telephone Banking Transfers
  FMFCU Automatic Loan Payments

FMFCU makes ODP available to our members as a means of expressing our appreciation for entrusting us with your financial well-being. If you have any questions, please contact our Member Service Center at 610-325-5100, or outside of Pennsylvania at 1-800-220-3193.


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