Products & Services

Share (Savings) Accounts

We offer a variety of savings and investment products including:

  • Regular Savings Accounts
  • Senior Savings Accounts
  • Share Certificates
  • Money Market Accounts
  • Holiday and Vacation Clubs
  • Youth Accounts (for family members between the ages of 16 and 22)
  • Custodial Account

Share Draft (Checking)

Compare the attractive cost-free Share Draft (Checking) Account offered by B-M S Federal Credit Union with your local bank, and you will quickly choose us as your full service financial institution. Highlights of the share draft (checking) account include:

  • Free drafts once a year (with direct deposit and an ATM and/or Debit Card)
  • No minimum balance requirement
  • No monthly service charge
  • Dividends paid on balances of $200 and over
  • Free overdraft protection on checks
  • Transfers limited to six per month

Family members between the ages of 16 and 22 are eligible for cost-free checking when they have a Youth Account with a parent or guardian as joint owner of the account.

e-Mail Services

e-Mail Services is a new service for our members that lets you subscribe to electronic delivery of most credit union notifications such as eStatements, credit union correspondence, and account alerts.

  • Click here to read our e-Mail Services Intro Letter/Disclosure
  • Click here to read our e-Mail Services FAQs

Fee Schedule

Share Draft Fees   General Fees  
Certified Draft: $5.00 Deposit Item Returned: $15.00
NSF Return Draft: $35.00 Stop Payment (Teller Ck): $25.00
Photo Copy of Draft: $5.00 Collection Deposited Item: Varies
Stop Payment: $20.00 Series $30.00 Canadian Deposited Item: $5.00 Under $500.00
8 (Micrquick) Temporary Drafts: $4.00 Canadian Deposited Item: $10.00 Over $500.00
    Canadian Return Deposit: $17.50
    All other foreign currency items deposited: $30.00
    Cashier's Check $2.00
    Photocopy of Draft: $5.00
    Photocopy of Deposit: $5.00
    Late Loan Payment Fee $25 (5 Day Grace Period)
    Loan Payment Return Fee $25
ACH   Wires  
NSF ACH Return $35.00 Domestic Incoming Wire $7.50
ACH Stop Payment $20.00 Domestic Outgoing Wire $20.00
    International Outgoing wire $40.00
ATM/DEBIT Cards   Bill Payer  
ATM Annual Fee $12.00 Posted Feb 1st Monthly Fee NONE
ATM/Debit Lost Card $12.00 Insufficient Funds: $35.00
Express Card Delivery $52.00 Stop Payment: $20.00 Mailed Check
Debit (MasterMoney Fee) $1.00 After 3rd ATM transaction per month Check Copy: $5.00
ATM Or Debit Card Share Transfer $3.00    
Miscellaneous   Miscellaneous  
Fedex: $18.00 Levy Processing: $75.00
Checkbook Balancing: $25.00 Per Hour    
Statement Copy (CU print out): $4.00 Per Month Per Account    
 Duplicate Statement (optical):  $5.00 Per Month Money Order $1,000 max $2.00 (non-mbr $4.00 cash only)

Money Market

Investing in one of our Money Market Accounts gives you the freedom to access your money while you earn top dividends! The minimum balance requirement for this account is $2,000.00.

Automated Teller Machine (ATM)

Access your credit union accounts through ATM everywhere 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 ACCEL/EXCHANGE 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.

Shared Branching

Shared Branching allows our members who aren't near a B-M S FCU Branch access to over 3,000 credit unions nationwide. Transactions include:

  • 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 or Debit cardholder, you can swipe your card into a special reader to identify your credit union and your accounts.

To locate a Shared Branch please click here.

Debit Cards

Your B-M S FCU Debit Card functions the same as an ATM card. It can also be used to pay for purchases anywhere MasterCard ™ is accepted. 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 tm is accepted.

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 fraudulent use of your card, please call 800.262.2024. For calls outside the U.S., please call collect at 973.682.2652.

Miscellaneous Services

Your credit union also offers the following services:

Additional Products & Services

The following products and services are also available to our members:

  • Free Notary Service
  • Legal Services
  • Certified Drafts
  • Wire Transfers
  • Web Carbook
  • Money Orders
  • Visa Gift Cards

Call your credit union office today for rates and additional information or to obtain a brochure.

Need assistance?  Send us an e-mail at