Share (Savings) Accounts
A variety of savings and investment products are available through the Share Account including:

Regular savings accounts
Senior savings accounts
Share Certificates
Money Market Accounts
Holiday and Vacation clubs

Cost-Free Share Draft (Checking)
Compare the attractive share draft account offered by B-M S Federal Credit Union with your local bank, and you will quickly see how our accounts pay you dividends. Highlights of the share draft account include:

Free drafts (with full direct deposit and an ATM card)
No monthly service charge
Interest-bearing account
Free overdraft protection -with a Share balance of $500 or more.

Now you can view your check options on-line!

Automated Teller Machine (ATM)
Access your credit union accounts through our ATM for deposits, withdrawals, transfers, and balance inquiries. Your accounts are available to you 24 hours a day, 7 days a week at thousands of locations. Your ATM card can be used anywhere you see the NYCE,PLUS or CU24 network symbols. Additionally, we do not charge any transaction fees and only a minimal $12 annual charge. ATM deposits are accepted at various NYCE locations, To locate a NYCE ATM machine near you, click here.

Debit Cards
Your B-M S FCU Debit Card can be used as either a credit card or a debit card. The funds are deducted directly from your Share Draft account, providing you with the convenience to make purchases at any time and any place where MasterCard is offered. 

If your B-M S FCU ATM or Debit Card is lost or stolen, please call us immediately. If we are closed, please call 800.472.3272. If your card is restricted or if you suspect fraudelent use of your card, please call 800.262.2024. For calls outside the U.S., please call collect at 973.682.2652.

B-M S Federal Credit Union has partnered with MasterCard SecureCode to maximize your Debit Card security. SecureCode allows you to set up a secret code to protect against unauthorized use of your card when you shop at participating online merchants. When you make online purchases with your Debit Card, you will be asked to enter your MasterCard SecureCode. To set up your SecureCode, you will be directed to a site authorized by B-M S FCU. Simply provide the necessary information and choose your SecureCode (from 6 to 10 characters, including at least one letter and one number) and you're done!

Click here for Frequently Asked Questions about MasterCard SecureCode.

Shared Branching
Shared Branching allows our members who aren't in the area of a B-M S FCU Branch to enter into a participating Shared Branch office and make various transactions such as:

 Withdrawals
 Transfers
 Loan Payments

(Some of these transactions may be limited depending on branch capabilities)

You will need two forms of I.D.; one must be a photo I.D. You also have to know your account number and identify yourself as a B-M S FCU member.

If you are an ATM cardholder, you can swipe your card into a special reader to identify your credit union and your accounts.

For more information on these Shared Branching sites please click here.

Phantom/Audio Response
Phantom, B-M S Federal Credit Union's new audio response teller, manages your accounts 24 hours a day, seven days a week. Whether you're at home, at the office, or traveling across the country, she's working behind the scenes for you.

Miscellaneous Services
Your credit union also offers the following services:

Web Carbook - To find out the price of a car you are interested in, please click on the Web Carbook hyperlink.
Free notary service
 Legal services
 Certified drafts
 Wire transfers
 Mortgage program