Financial Resources Credit Union
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Checking

Our Checking accounts provide flexible features tailored to the way you like to bank and interact with us. All accounts come with a free Debit Card,1 free Internet and Mobile Banking, free Text Message Banking,2 free Mobile or Desktop Check Deposits (ScanDirect), envelope-free ATM cash and check deposits, and thousands of nationwide surcharge-free ATMs

Smart Start 6 -
$25 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
   $0  $2
• Available to ages 14 – 18; at age 19, the account converts to Simplified (Debit card available to ages 16 – 18, ATM card available to ages 14 – 18 with parent guardian signature)
• No Minimum Balance to maintain
Free Financial Resources and MoneyPass ATMs
Free Debit Card purchases
• 4 free ATM withdrawals per statement cycle at all other ATMs, more than 4 = $2.00 each
• Transfers and Balance inquiries made at all other ATMs = $2.00 each
Free Standard Checks
Free Debit Card 1
Free Bill Payer 4

Visit a branch to apply.
Free -
$25 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
   $0  $5
• No Minimum Balance to maintain
Free Financial Resources and MoneyPass ATMs
Free Debit Card purchases
• Withdrawals, Transfers and Balance inquiries made at all other ATMs charged $2.00 each.
Free Debit Card 1
Bill Payer = $6/month

 
Simplified -
$25 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
Maintain at least $100 daily during the month $0 $0
Fall below $100 on any day in month $5 $10
Or bank in the following way:  
Maintain at least $500 in monthly Direct Deposits 5 $0 $0
If Monthly Direct Deposits are less than $500 5 $5 $10
Or bank in the following way:
Make 10 or more monthly Debit Card Purchases ($10 minimum each) $0 $10
Make less than 10 monthly Debit Card Purchases ($10 minimum each) $5 $10
Or bank in the following way:
Make 3 or more monthly Bill Payments $0 $10
Make less than 3 monthly Bill Payments $5 $10
Free Financial Resources and MoneyPass ATMs
Free Debit Card purchases
• 4 free ATM withdrawals per statement cycle at all other ATMs, more than 4 = $2.00 each
• Transfers and Balance inquiries made at all other ATMs = $2.00 each
Free Debit Card 1
Free Bill Payer 4

Purple Interest 7 -
$100 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
Maintain at least $2,500 daily during the month  $0  $0
Fall below $2,500 on any day in month  $10  $15
Or bank in the following way:
Maintain at least $1,500 in monthly Direct Deposits 5 $0 $0
If Monthly Direct Deposits are less than $1,500 5 $10 $15
Or bank in the following way:
Make 15 or more monthly Debit Card Purchases ($10 minimum each) $0 $15
Make less than 15 monthly Debit Card Purchases ($10 minimum each) $10 $15
Or bank in the following way:
Make 6 or more monthly Bill Payments $0 $15
Make less than 6 monthly Bill Payments $10 $15
Free ATM transactions – No transaction fees!
• Get up to $12 refunded on ATM surcharges when you maintain a $2,500 daily minimum balance
• Get 2 Popmoney or Funds Transfer fees refunded up to $6 3
Tiered rates with a special rate advantage for balances in the $2,500 - $7,500 range
• Free Debit Card 1
• Free Bill Payer 4

Perfect Rewards -
$100 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
Maintain $50,000 in combined Relationship Balances (see below) $0 $0
Fall below $50,000 in combined Relationship Balances (see below) $20 $25
Or bank in the following way:
Maintain at least $10,000 in Perfect Rewards Checking $0 $0
Fall below $10,000 in Perfect Rewards Checking $20 $25
• Relationship Balances = Personal Checking, all Savings, Money Market, Certificates, IRAs, Consumer Loans, and Home Equity Loans and Lines. Brokerage accounts, Business accounts, Business and Mortgage loans, and unsecured credit lines are excluded from combined balances.
Free ATM transactions – No transaction fees!
Unlimited ATM surcharge rebates when you maintain a $2,500 daily minimum balance
• Get 4 Popmoney or Funds Transfer fees refunded up to $12 3
Tiered rates
Free Money Market Account (no minimum balance requirement fee)
• Select Deposit rate benefits and Loan rate benefits providing automatic payment is made from your Perfect Rewards Checking
• Free Debit Card 1
• Free Bill Payer 4
• Free Services: Standard checks, 2 Stop Payments per year, Travel Money Card, Gift Card, Overdraft Transfer Service
 
1 Debit Card inactive for 6 months = $2 per month
2 Standard text messaging and other rates from your wireless provider still apply
3 Standard service only; does not include “next day” service
4 Bill Payer inactive for 6 months = $6 per month
5 A qualifying direct deposit is a recurring electronic deposit made by an employer or other entity/agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to satisfy this requirement.
6 Child must be listed as primary account holder
7 Limit of one account per Social Security Number. Personal accounts only.

 

 

Thousand of Surcharge Free ATMs - Nationwide!

With thousands of surcharge-free ATMs coast to coast, you have greater access and convenience to your money. To find the nearest surcharge-free ATM, click here to locate a MoneyPass ATM.

 Personal Financial Education: Checking Account Management
Whether you have a history of overdraft or non-sufficient funds charges or you just want to know how to best manage your first checking account, click here for the tools and information needed to become and remain a successful checking account holder.
 Personal Financial Education: Money Management
Money management is the process of knowing where you are spending your money today, and having a well thought-out plan in place for where you want it to go in the future. Click here for a program will cover the core concepts of money management.

 

Online Services
  •  WebBranch Login
  •  Business Online Banking
  •  Mortgage Account Information
  •  Online Investment Center
  •  View Your Investment Portfolio
  •  MyCard Points
    Debit Card Rewards
  •  Credit Card Account Access

WebBranch Login:

Click to return to home page and enter login credentials
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   Mobile Banking Text Message Banking

 

Equal Housing Lender NCUA

520 U.S. Highway 22 East, Bridgewater, NJ 08807
Email: frfcu@finresc.org