Financial Resources Credit Union
  • Personal Banking
  • Business Banking
  • About Us

Checking Accounts

Our Checking accounts provide flexible features tailored to the way you want to bank. You'll have access to thousands of surcharge free ATMs nationwide. Plus with Mobile Banking and Mobile Check Deposit, banking has never been easier and more convenient. 

Smart Start6 -
$25 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
   $0  $2
• Available to ages 13 – 18
• 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
Free Standard Checks
Free Debit Card1 (daily limits available with parental controls)
Free Bill Payer4

Free -
$25 to open
 
Monthly Maintenance Fee
With monthly
e-Statement
No Monthly
e-Statement
   $0  $5
Free Financial Resources and MoneyPass ATMs
Free Debit Card purchases
Free Debit Card1
• Free Online Banking
• Free Mobile Banking
Bill Payer = $6/month
• No Minimum Balance to maintain
Courtesy Pay - Overdraft Privilege*

 
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 Deposits5 $0 $0
If Monthly Direct Deposits are less than $5005 $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
• Free Debit Card1
• Free Bill Payer4
• Free Online Banking
• Free Mobile Banking
• 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
Courtesy PayOverdraft Privilege*

Purple Interest7 -
$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!
• Free Debit Card1
• Free Bill Payer4
• Free Online Banking
• Free Mobile Banking
• 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 $63
Tiered rates with a special rate advantage for balances in the $2,500 -   $7,500 range
Courtesy PayOverdraft Privilege*


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

• Free Debit Card1
• Free Bill Payer4
• Free Services: Standard checks, two Stop Payments per year, Travel       Money Card, Gift Card, Overdraft Transfer Service
• Free Online Banking
 Free Mobile Banking
• Free ATM transactions – no transaction fees!
• Free Money Market Account (no minimum balance requirement fee)
• Relationship Balances = Personal Checking, all Savings, Money             Market, Certificates, IRAs, Consumer Loans, and Home Equity Loans   and Lines.
Unlimited ATM surcharge rebates when you maintain a $2,500 daily   minimum balance
• Get 4 Popmoney or Funds Transfer fees refunded up to $123
Tiered rates
• Select Deposit rate benefits and Loan rate benefits providing                 automatic payment is made from your Perfect Rewards Checking
Courtesy PayOverdraft Privilege*
 

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; at age 19, the account converts to Simplified (debit card available to ages 13 - 18, ATM card available to ages 13 - 18, parent/guardian signature required)
7 Limit of one account per Social Security Number. Personal accounts only.
8 Standard service only.

 

 

 

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
Login
   Mobile Banking Text Message Banking

 

Equal Housing Lender NCUA

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