Checking Accounts

Bank smarter with an FMFCU checking account. Choose between free checking and a checking account that earns dividends. Either way, you’ll be eligible for FREE services; you can’t go wrong!

• Unlimited check writing privileges
• Direct deposit
• Online Banking and Bill Pay
• Online Statements
• First order of checks with direct deposit

Free Checking

The smartest “Totally Free” checking account.

• No monthly service charge
• No minimum balance requirement
• Unlimited check writing privileges

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 cashier’s checks
• 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 combined deposit balances are $25,000 or more within the same member relationship.

• 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",null]],[{"row":0,"col":0,"visualRow":0,"visualCol":0,"prop":0,"borders":{"className":"border_row0col0","border":{"width":1,"color":"#000","cornerVisible":false},"row":0,"col":0,"top":{"hide":true},"right":{"hide":true},"bottom":{"hide":true},"left":{"hide":true}},"className":"htCenter","jtcellstyle":{"font-weight":"bold","background":"#dddddd"}},{"row":0,"col":1,"visualRow":0,"visualCol":1,"prop":1,"className":"htCenter","jtcellstyle":{"font-weight":"bold","background":"#dddddd"}},{"row":1,"col":0,"visualRow":1,"visualCol":0,"prop":0,"className":"htCenter","jtcellstyle":{"background":"#9eb0bf"}},{"row":1,"col":1,"visualRow":1,"visualCol":1,"prop":1,"className":"htCenter","jtcellstyle":{"background":"#9eb0bf"}},{"row":2,"col":0,"visualRow":2,"visualCol":0,"prop":0,"className":"htCenter"},{"row":2,"col":1,"visualRow":2,"visualCol":1,"prop":1,"className":"htCenter"},{"row":3,"col":0,"visualRow":3,"visualCol":0,"prop":0,"className":"htCenter","jtcellstyle":{"background":"#9eb0bf"}},{"row":3,"col":1,"visualRow":3,"visualCol":1,"prop":1,"className":"htCenter","jtcellstyle":{"background":"#9eb0bf"}},{"row":4,"col":0,"visualRow":4,"visualCol":0,"prop":0,"className":"htCenter","jtcellstyle":{"background":"#ffffff"}},{"row":4,"col":1,"visualRow":4,"visualCol":1,"prop":1,"jtcellstyle":{"background":"#ffffff"}}],[{"row":0,"col":0,"top":{"hide":true},"right":{"hide":true},"bottom":{"hide":true},"left":{"hide":true},"border":{"width":1,"color":"#000","cornerVisible":false}}],[]][]

  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 here.

• 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.   Opting out is easy:

  • 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, send to:

  Print, sign and return to:

  Franklin Mint Federal Cedit Union 5 Hillman Drive, Suite 100 Chadds Ford, PA 19317