Financial Resources Credit Union
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Checking Accounts

Our Checking accounts provide flexible features tailored to the way you want to bank. You'll have access to 55,000 surcharge-free ATMs worldwide. 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 Allpoint 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 Allpoint 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 Allpoint 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

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Equal Housing Lender NCUA

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