Checking Accounts at Bragg Mutual FCU

Choose from three checking options with features and benefits to fit your lifestyle, plus overdraft protection, Debit Card Round-Ups, and fraud prevention.

Bragg Mutual FCU Classic Checking Accounts

Introducing the Classic Checking Account from Bragg Mutual, a no-nonsense checking account for members who value simple banking and no account maintenance fees.

BMFCU Classic Checking Features:

Bragg Mutual FCU Perks Checking Accounts

One of two BMFCU checking accounts offering cash rebates and monthly dividends when requirements are met.

The Perks Checking Account is ideal for Bragg Mutual members who depend on reliable online banking and secure debit card purchases.

BMFCU Perks Checking Features:

$10.00 Opening Deposit
No Minimum Balance to Maintain
$2.95 Monthly Fee
Fee Waived for Members Who Have Either or Both:
- Active Loan(s) with Balance(s) of $10,000.00 or More
- Combined Deposit Balance(s) of $5,000.00 or More
1.51% APY (Annual Percentage Yield) on Balances up to $2,500.00
- Funds of $2,500.01 & up Earn at Classic Checking Account Rate
Interest Compounds Monthly
2.00% Cashback Rebate on First $250 in Debit Card Purchases
Free Virtual StrongBox
Free Stop Pay Requests
Discounts on Check Orders
Access at 30,000+ CO-OP ATMs

BMFCU Perks Checking Requirements:

To maintain and receive all Perks Checking benefits, accountholder(s) must:

Bragg Mutual FCU Perks Plus Checking Accounts

Perks Plus Checking Account: the only Bragg Mutual checking that offers the most benefits, features, and rewards.

Enjoy a checking with perks like cash back, waived fees for additional banking services, our highest checking monthly dividends when requirements are met.

BMFCU Perks Plus Checking Features

$50.00 Opening Deposit
No Minimum Balance Required
$5.95 Monthly Fee
Fee Waived for Members Who Have Either or Both:
- Active Loan(s) with Balance(s) of $10,000.00 or More
- Combined Deposit Balance(s) of $5,000.00 or More
1.51% APY (Annual Percentage Yield) on Balances up to $2,500.00
- Funds of $5,000.01 & up Earn at Classic Checking Account Rate
Interest Compounds Monthly
4.00% Cashback Rebate on First $250 in Debit Card Purchases
Free Virtual StrongBox
Free Stop Pay Requests
No Fees for Phone Inquiries
No Fees for Cashier's Checks & Money Orders
No Fees for Online Bill Pay
No Fees for Wire Transfers from BMFCU Account(s)
Discounts on Check Orders
Discounted Closing Costs on Real Estate Loan
Access at 30,000+ CO-OP ATM

To maintain and receive all Perks Plus Checking benefits, accountholder(s) must:

Bragg Mutual FCU Visa® Debit Cards

All Bragg Mutual checking accounts come with a Bragg Mutual FCU Visa® Debit Card so you can make payments, purchases, and cash withdrawals directly from your BMFCU checking account.

BMFCU Debit Card Round-Up

With Debit Card Round-Up, every debit card purchase becomes a way to save more money without trying.

For Example:

You spend $12.40 on lunch. A charge for $12.40 posts to your account the following day. The $0.60 difference transfers to your savings account (along with any other round-up amounts from purchases that day).

Grow your savings without a second thought and start rounding-up your debit card purchases today.

Preventing & Reporting Debit Card Fraud

If you see suspicious or fraudulent activity on your accounts or debit card, act quickly to minimize the risk and/or potential theft of money!

Temporarily block or unblock your card with your Bragg Mutual FCU mobile app (found under the Manage My Cards feature).
Contact Bragg Mutual FCU immediately for assistance.

Member Travel Notification

Traveling out of state or out of the country? To minimize the chance of fraud, we constantly monitor trends and occasionally place blocks on certain areas of the country, merchant types, and foreign countries.

Notify Bragg Mutual Federal Credit Union of your travel plans to prevent debit card service disruption so you never lose access to your money while traveling.

Overdraft Coverage Options

Protect your account from being overdrawn by automatically transferring funds from another BMFCU account you own or with BMFCU’s Overdraft Privilege for additional protection.

Overdraft Privilege vs. Overdraft Protection

Unlike traditional overdraft protection that moves funds at regular increments to cover certain transactions, Overdraft Privilege allows you to overdraw your account to cover transactions up to a specified limit for a fee.

Combine overdraft protection and overdraft privilege so you can be sure just about any authorized transaction clears.

Overdraft Comparison

Overdraft Protection Covers:

Overdraft Protection Cost (Annual):

Overdraft Protection Covers:

Overdraft Protection Cost (Annual):

Order Checks

Order or reorder checks for your Bragg Mutual FCU checking account online at the link below.

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