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Personal Banking

Three different options for checking accounts, but which one best fits your needs?-


Freedom


Choice


Premium

Member Link Plus
Digital Banking

Visa Debit Card
with Allpoint ATM
Access

First order of
Standard checks

Minimum Balance

None

$1,000 average
daily balance

$5,000 combined
average daily balance*

Dividend Bearing

No

Yes with at least a
$10.00 balance.
Click here for rates!

Yes with at least a
$10.00 balance.
Click here for rates!

*Combined balance includes checking and savings suffixes under the same main share account. Club accounts, escrow, utility, business, DBA, Sid Saver, certificates of deposit, and IRA account balances are not included. Please refer to our Schedule of Fees for a current list of charges that may apply to these accounts. Must maintain minimum monthly balance and enroll into E-Statements to avoid monthly service fees.

Checking Accounts

At Fall River Municipal Credit Union one of our tasks is to provide a wide range of products and services to accommodate our members’ needs. Our products and services are designed to be flexible to help with the varying financial needs of all our members. Please take a moment to review our checking options.

Freedom Checking

  • Minimum opening deposit is $5.00
  • No minimum balance
  • No monthly service charge with enrollment in Estatements
  • Non-dividend bearing
  • Free access to Member Link Plus Online Banking, Bill Payer and eStatements
  • No charge per check processed
  • No charge for deposit items
  • Free VISA® ATM/Debit Card allows you to make purchases anywhere the VISA®, PLUS®, or NYCE® logos are displayed
  • First order of standard checks free
  • Access to your available funds through our ATMs and Allpoint® Network ATMs surcharge free

Choice Checking

  • Minimum opening deposit is $1,000.00
  • Dividend is earned when a $10.00 balance is maintained
  • No fee if a minimum average daily balance of $1,000.00 is maintained and enrolled in Estatements
  • Below minimum balance fee: $5.00
  • No charge per check processed
  • No charge for deposit items
  • First order of standard checks free
  • Free access to Member Link Plus Online Banking, Bill Payer and eStatements
  • Free VISA® ATM/Debit Card allows you to make purchases anywhere the VISA®, PLUS®, or NYCE® logos are displayed
  • Access to your available funds through our ATMs and Allpoint® Network ATMs surcharge free

Premium Checking

  • A $5,000.00 minimum combined opening deposit
  • Dividend is earned when a $10.00 balance is maintained
  • No fee if a combined minimum average daily balance of $5,000.00 is maintained and enrolled in Estatements (Combined balance includes checking and savings suffixes under the same main share. Club, escrow, utility, business, DBA, Sid Saver, Blue Star, certificates of deposit, and individual retirement account balances are not included.)
  • Below minimum balance fee: $10.00
  • No charge per check processed
  • No charge for deposit items
  • First order of standard checks free
  • Free access to Member Link Plus Online Banking, Bill Payer and eStatements
  • Free VISA® ATM/Debit Card allows you to make purchases anywhere the VISA®, PLUS®, or NYCE® logos are displayed
  • Access to your available funds through our ATMs and Allpoint® Network ATMs surcharge free

Money Market Checking

  • Tiered rates
  • Minimum to open $2,500.00
  • Dividend is earned when a $10.00 balance is maintained
  • Limits on number of electronic transfers apply.

Overdraft Line of Protection

The Credit Union offers Overdraft Lines of Protection linked to your FRMCU personal checking account; subject to credit approval.

  • Maximum Amount is $1,000

* Additional rates and terms may be available.

The application for Overdraft Line of Protection can be found on the FRMCU Loan Applications page. Please select Personal Loans and then select This is a Line of Credit.

Time for more checks?
Reorder from Harland Clarke Online.
Order Personal Checks Online!

For additional information regarding our checking accounts,
stop in or call and talk to one of our member service representatives.

Consumer and
Equity Loan Rates

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Focused on getting you the money you need - when you need it.

MORTGAGE RATES

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We have a mortgage plan to meet your needs.

Let us help you make the home of your dreams a reality.

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Here's a sure way to have money when it is needed.

Your money will grow at a healthy rate with our generous dividend rates.