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Checking Accounts in Fayetteville, NC and Southeastern North Carolina

Choose from three checking options at Bragg Mutual FCU — serving Fayetteville, NC and Southeastern North Carolina — with features and benefits to fit your lifestyle, plus overdraft protection, Debit Card Round-Ups, and fraud prevention.
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Classic Checking Account in Fayetteville, NC

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

  • No Monthly Fee
  • No Minimum Balance
  • $10.00 Opening Deposit
  • Access at 30,000+ CO-OP ATMs
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Perks Checking Account in Fayetteville, NC

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.

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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:
  • Enroll or currently be enrolled in eStatements.
  • Maintain a valid email address on file with BMFCU.
  • Log in to online or mobile banking at least once per month.
  • Have 24+ debit card transactions monthly (ATM transactions excluded).
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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.

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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:

  • Enroll or currently be enrolled in eStatements.
  • Maintain a valid email address on file with BMFCU.
  • Log in to online or mobile banking at least once per month.
  • Have 12+ debit card transactions monthly (ATM transactions excluded).
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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.

Call (910) 222-1500
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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!

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

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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 Terms & Conditions
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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

  • Takes Funds from Another BMFCU Account You Own.
  • Moves Money in Preset Amounts to Cover Expenses.
  • Is Limited to Funds Available in Your Protecting Account.

Overdraft Protection Covers:

  • Checks
  • ACH/Automatic Debits
  • Recurring Debit Card Payments
  • Online Bill Pay Items
Overdraft Protection Cost (Annual):
  • No Charge on First 3 Transfers.
  • $1 Transfer Fee per Item After First 3.
  • Uses Funds from BMFCU so Your Transactions Clear.
  • Provides up to $750 after 90 Days (Introductory $100 Limit Before).
  • 32 Calendar Day Grace Period to Repay Negative Balance + Fee.

Overdraft Protection Covers:

  • Everyday Debit Card Transactions
  • Checks
  • ACH/Automatic Debits
  • Recurring Debit Card Payments
  • Online Bill Pay Items

Overdraft Protection Cost (Annual):

  • $29 Transfer Fee per Item.
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Order Checks

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

What checking accounts does Bragg Mutual FCU offer?

Bragg Mutual FCU offers three checking account options — Classic Checking, Perks Checking, and Perks Plus Checking. Classic Checking is a no-fee, no-minimum-balance account ideal for straightforward everyday banking. Perks Checking and Perks Plus Checking offer cash back on debit card purchases and monthly dividends when requirements are met, with monthly fees that can be waived for qualifying members.

No minimum balance is required to maintain any of our three checking accounts. Classic Checking has a $10 opening deposit, Perks Checking has a $10 opening deposit, and Perks Plus Checking has a $50 opening deposit — but once opened there is no minimum balance requirement to keep the account active.
The monthly fee on both Perks Checking ($2.95) and Perks Plus Checking ($5.95) is waived for members who have either an active loan balance of $10,000 or more, or combined deposit balances of $5,000 or more with Bragg Mutual FCU. Members who meet either condition automatically have their fee waived each month.
Debit Card Round-Up is a savings feature that automatically rounds up every debit card purchase to the nearest dollar and transfers the difference to your Bragg Mutual FCU savings account. For example, a $12.40 purchase rounds up to $13.00 and $0.60 is transferred to your savings. It’s an effortless way to grow your savings without thinking about it.

Yes — all Bragg Mutual FCU checking account holders have access to over 30,000 surcharge-free CO-OP ATMs nationwide. You can find your nearest surcharge-free ATM using the CO-OP locator at co-opcreditunions.org.

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