Member Advantage Checking

All Free Checking Isn't the Same...See the Difference!
Plus, when you open your FREE Checking Account, you will automatically be enrolled in our Membership Rewards Program. As a Membership Rewards Associate, every July you will receive special coupons offering EXTRA savings and added BONUSES on FME's products and services, good for the entire year!

If your Checking account is not providing you with these advantages, switch to FME's Member Advantage Checking.

The Advantages:

  • No Maintenance Fees on active accounts*
  • No Minimum Balance
  • No Per Check Charges
  • VISA Check Card/ATM Card Privileges*
  • Overdraft Protection Available
  • Online Bill Pay Service
  • FREE 24/7 Online Banking & Telephone Banking
  • Check Imaging (view & print copies of checks)

The Difference:

  • Discounts on 10-Year Fixed Home Equity Loans & 15 and 20-Year Mortgages
  • Discounts on Regular Loan Rates
  • Electronic Service Enrollment Bonuses
  • Bonus on Credit Card Balance Transfers
  • Cash Bonus for New Vehicle and Home Equity/Mortgage Loans
  • Youth Savings & New Member Bonuses

*An active Checking account is one with Direct Deposit/Net Check, OR has at least five combined check clearings, VISA Check Card transactions, or FME Online Bill payments per calendar month.  Subject to change.

To Open a New Checking Account:

Share Draft Account Agreement (with instructions) - Click on the links below "New Checking Account Application" & "Checking Account Instructions" to download and print out the application to open your FREE Checking account and instructions on how to fill out the application. All parties that you want on your checking account must sign this Agreement. (PLEASE NOTE: Any parties that you want on your checking account must also be joint on your Regular Share savings account.)
Check Order Form - Your first box of checks is FREE! As a Membership Rewards Associate, you will receive a coupon for a FREE box of checks each year. The style for your FREE checks is the standard style. To download and print this check order form, click on the "Check Order Form" link below.

VISA Check Card Application - Please complete and return today! Download and print this application by clicking on the "VISA Check Card Application" link below.
With your FREE Checking, qualified members will also receive a VISA Check Card!
- The VISA Check Card acts like a plastic check
- VISA Check Card is also an ATM card.
- Overdraft Line-of-Credit is available - just ask for an application.

Once you have printed and completed all forms, please send them to:
FME Federal Credit Union, P.O. Box 721, Roseville, MI 48066.

If you have questions, or if you would like for us to mail you a New Checking Account Packet, please feel free to call the Main Office at 800.521.1800.

Share Draft Checking Accounts
Effective Date: Wednesday, June 26th, 2019
NameSuffixMinimum BalanceDividend RateAPY Earned
Member Advantage Checking* S-SD $0 N/A N/A

55 PLUS Checking**

S-SD $500 0.10% 0.10%

*NO per check charges or monthly fees for active accounts. An active account makes at least five qualified transactions per calendar month, such as check clearings or FME Online Bill Payments, VISA Check Card transactions. Overdraft Protection available to qualified members. **Membership in the 55 PLUS Club and an average daily balance of $500 are required to earn the Annual Percentage Yield (APY) listed. Dividend calculated and paid quarterly. Subject to change. 

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If you are logging in to Online Banking for the first time, please be aware that your FME Account Number should be entered as 7-digits long, without dashes, and with the last digit being a 0. This is the same Account Number that appears on your periodic statement. The initial User Password is the last 4 digits of the primary accountholder's Social Security Number.

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