Sample Comparison Table - Fall River Municipal Credit Union

Contact Us At (508) 678-9028

	Freedom Checking	Choice Checking	Premium Checking
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.

Sid Saver
Age Requirement	Children under the age of 14 years
Minimum to Open	$0
Minimum to Earn Dividends	$1
Rate	Click here for current rates!
Electronic Services	EZ Access (history only), ACH transactions
Sid Saver Benefits
Child is able to deposit or withdraw Account converts to a Blue Star Teen Savings on child’s 14^th birthday

	Main Share Statement Savings	Regular Statement Savings	Premium Statement Savings
Minimum to Open	$5	$5	$1,000
Balance Required	$5	$0	$0
Minimum to Earn Dividends	$10	$10	$1,000
Dividend Rate	Click here for current rates!	Click here for current rates!	Our highest dividend savings account! Click here for current rates!
Member Link Plus	✓	✓	✓
~Main Share Savings establishes FRMCU membership. Names on the Main share determine names on all suffixes under that main share number. All signers on loans must match names on main share; a new main share will be required for loans with differing names.
Benefits of Savings Accounts
Statement savings are available to be accessed without a passbook, only an ID or ATM card needed Savings accounts are great for financial wellness, setting aside funds on a regular basis can help create an emergency fund or to achieve financial goals

	Blue Star Checking	Blue Star Savings
Minimum Age	16 years	14 years
Minimum to Open	$5	$0
Minimum to Earn Dividends	n/a	$1
Rate	n/a	Click here for current rates!
Member Link Plus	✓	✓
Blue Star Benefits
Teaches teens about saving and growing money without requiring large deposits Provides an ATM card (Limit $40.00 per day) Provides Visa Debit card (Minimum 16 years of age with parent/guardian consent) Blue Star Savings account converts to Main Share account on the teen’s 18^th birthday