Checking Accounts

Bank smarter with an FMFCU checking account. Looking for a checking account to best fit your lifestyle? We have several options to choose from! Get great value with Advance Checking or even more by earning dividends with Performance Checking. Whatever your preference, you’ll be eligible for many value-added features and services – you can’t go wrong. Bank with confidence at FMFCU no matter which account you choose.

All checking accounts include:

Digital Banking and Bill Pay
Greenlight Debit Card & App for Kids and Teens

Online Statements
Unlimited check writing privileges

FMFCU CHECKING ACCOUNT COMPARISON

	Advance Checking	Performance Checking
Advance Pay^*
Experian IDnotify™^**	($120-$240 annual value)	($120-$240 annual value)
External Transfer Limits (ACH)	$5k Daily $10k Monthly	$5k Daily $10k Monthly
Interest Earning
Member Referral	$100	$100
Minimum Balance Requirement	$500^{^}	$10,000^{^^}
Monthly Fee	$5^{^}	$25^{^^}
No Foreign ATM Fees from FMFCU

LEARN MORE ABOUT EACH OF OUR CHECKING ACCOUNT OPTIONS

Advance Checking – BEST VALUE!

Advance Pay* – eligible direct deposits available up to two business days earlier for faster access to your money
Experian IDnotify™^** – this no cost benefit includes:
- Credit monitoring
- Monthly credit report
- Identity restoration service
- Lost wallet service
- Dark web, social media, and social security number monitoring – and much more.
No foreign ATM fees
Elevated external transfer limits – $5,000 daily limit and $10,000 monthly limit (higher than our free checking account)
$100 Member Referral Bonus
Waivable $5.00 monthly fee with a low $500 average monthly minimum balance. Fee is waived for members under 25 years old.^{^}

Open Account

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.

Advance Pay* – eligible direct deposits available up to two business days earlier for faster access to your money
Experian® IDnotify™^** – this no cost benefit includes:
- Credit monitoring
- Monthly credit report
- Identity restoration service
- Lost wallet service
- Dark web, social media, and social security number monitoring – and much more.
No foreign ATM fees
Elevated external transfer limits – $5,000 daily limit and $10,000 monthly limit (higher than our free checking account)
Free cashier’s checks
Free statement and check copies
Next day availability of ATM deposits
$100 Member Referral Bonus
No monthly fee if combined minimum balances are maintained^{^^}

Open Account

^ $500 average monthly minimum balance requirement to avoid $5 monthly fee. Fee waived for 60 days after account opening or if under 25 years old. Membership eligibility applies.

^^ Average Monthly Minimum Balance Requirement $10,000 or $25,000 combined in deposits. $25 monthly fee if below.

* Eligible direct deposits may be available up to two business days early. Available for personal accounts only. Not all direct deposits are eligible. Eligible direct deposits are limited to electronic direct deposits of items such as payroll, pension, and government benefit payments made through the Automated Clearing House (ACH). Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether FMFCU makes funds available early depends on when payor’s payment instructions are received, any limitations FMFCU set on the amount of early availability, and standard fraud prevention screening.

** To receive the free Experian service, you or the joint owner must log in to FMFCU’s Digital Banking and tap My Toolkit under the Menu. Look for IDnotify and follow the registration prompts. FMFCU will waive monthly fees once enrolled. See Experian IDnotify terms and conditions for more information.

Free Checking

FREE Checking keeps banking simple:

No monthly service charge
No minimum balance requirement
Unlimited check writing privileges
Digital Banking, Online Statements, Bill Pay, Greenlight, and more!

Open Account

Checking Account Add-On Options

Add on a Personal Line of Credit/Overdraft Protection to provide you with a safeguard from overdrafts, or use it for small purchases or services with a typically lower interest rate than credit cards. Or instead, sign up for Overdraft Privilege without a personal line of credit to protect from overdrafts.

Personal Line of Credit/Overdraft Protection
For those smaller recurring loan requests, FMFCU has a personal line of credit that you can attach to your checking account to provide protection from overdrafts.
- General purpose line of credit
- Overdraft protection
- Cash advance through ATM or Online Banking
- No cash advance fees or annual fee
Apply for a Personal Line of Credit

Overdraft Privilege

FMFCU is pleased to provide Overdraft Privilege (ODP) to help better manage your checking account. Overdraft Privilege (ODP) is a discretionary service provided to eligible members. It is designed to provide a safety net and peace of mind when unexpected emergencies arise. For the cost of a transaction fee, save the expense and embarrassment of having items returned and the additional fees that merchants may charge.

ODP Covers:	ODP Does Not Cover:
Checks drawn on your account	Transactions conducted in branch
ACH (electronic) transactions	FMFCU Automatic Loan Payments
Debit Card/Point of Sale (POS)	Online Banking/Mobile Banking/telephone transfer
FMFCU Bill Pay Transactions

For more information, read our brochure.

Overdraft Privilege - Opt In
Overdraft Privilege is automatically available to cover Automated Clearing House (ACH) and check transactions. In order to take advantage of this beneficial service for Point of Sale (POS)/Debit Card transactions, an Opt In request is required. Opting in is easy:
- Visit your local branch and complete an ODP Opt In Form.
- Complete this ODP Opt In form and drop off, mail or fax to your local branch.
Overdraft Privilege - Opt Out
Opt Out of Overdraft Privilege at any time. When you do, all future transactions previously covered by the ODP limit will be declined. Please see the Opt Out form for partial or complete Opt Out preferences and additional details.
- Visit your local branch and complete an ODP Opt Out Form.
- Complete this ODP Opt Out form and drop off, mail or fax to your local branch. If mailing, print, sign and return to:
Franklin Mint Federal Cedit Union
5 Hillman Drive, Suite 100
Chadds Ford, PA 19317