Personal Checking
Our personal checking accounts are loaded with lots of extras to help get you through your day, including FREE: e-Statements, ATM withdrawals, bill pay, debit card, Picture This card design, budgeting tools and so much more!
Personal checking
Every time you use your FCU debit card to pay for a purchase, we’ll round it up to the next even dollar amount. At the end of every day, we’ll put that change in to any FCU savings account you choose. It’s a great way to pay yourself first.
Every time you use your FCU debit card to pay for a purchase, we’ll round it up to the next even dollar amount. At the end of every day, we’ll put that change in to any FCU savings account you choose. It’s a great way to pay yourself first.
| APY** | Div Rate | Max. | Details |
|---|---|---|---|
| Dollar Amount | Description | ||
| 5.05% | 4.94% | $15,000 | Non-qualified accounts earn .01%APY |
| 5.05% - 0.78% | 0.14% | Over $15,000 | Non-qualified accounts earn .01%APY |
| APY** | Div Rate | Max. | Details |
|---|---|---|---|
| Dollar Amount | Description | ||
| 3.00% | 2.96% | $50,000 | Non-qualified accounts earn .01%APY |
| 3.00% - 1.09% | 0.14% | Balances over $50,000 | Non-qualifying accounts earn .01%APY |
| Investment Amount | APY** | Div Rate* |
|---|---|---|
| $0.01 - $999 | 0.15% | 0.15% |
| $1,000 - $2,499 | 0.30% | 0.30% |
| $2,500 - $9,999 | 0.30% | 0.30% |
| $10,000 and up | 0.30% | 0.30% |
Express yourself through a wide variety of unique check designs, colors, images, and scenes. You can even customize checks with your own flair using fonts, messages, symbols and icons, monograms, and more.
To reorder checks you will need your account number plus the suffix 110 and our routing number 272 480 131
Qualification Cycle for Kasasa is the last day of the prior month through the second to last day of the current month. To qualify monthly Kasasa Cash, Kasasa Cash Back and Kasasa accounts require e-statements, a minimum of 15 approved and processed debit card transactions and one ACH withdrawal (Kasasa Eats and Kasasa Play do not require an ACH withdrawal).
What is the reward cycle? The cycle over which the qualifications are tracked for rewards is the last day of the previous month through the second last day of the current month. For example, the January cycle is December 31 through January 30. This is the time frame that the debit transactions and ACH debit or bill pay need to post on your account. For clarification, refer to calendar below.
How will the rewards post? ATM fee refunds will post on the last day of the month. If you have a Saver account, rewards will post to Saver. Interest will post on the 1 st of the month.
To Change PIN on FCU ATM/debit cards
Report Lost or Stolen Frankenmuth Credit Union debit or credit card?
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards. The following activities are required monthly to qualify for rewards: enrollment in electronic statements, one ACH debit and 15 debit card transactions and are a condition(s) of Kasasa Saver’s linked to Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play. ACH debit is not required for Kasasa Eats or Kasasa Play accounts. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle.
Kasasa Cash Back: you will receive 5.00% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Cash: daily balances up to and including $15,000 receive an APY of 5.05% and daily balances over $15,000 earn a dividend rate of .14% on the portion of the daily balance over $15,000 resulting in a range from 5.05% to .78% APY depending on the account’s daily balance.
Kasasa Eats: will receive 5% cash back on up to a total of $200 in debit card purchases, made at grocery stores and food delivery services identified at https://frankenmuthcu.org/kasasa-eats-free-checking/ that post and settle to your account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Play: you will earn refunds, up to a maximum of $10, on debit card purchases, made with music, video, gaming and other digital streaming services identified at https://frankenmuthcu.org/kasasa-plays-free-checking/, that post and settle to the account during that cycle period.
Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 3.00% and daily balances over $50,000 earn a dividend rate of .14% on the portion of the daily balance over $50,000 resulting in a range from 3.00% to 1.09% APY depending on the account’s daily balance.
You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: Kasasa Cash: the entire daily balance in the Kasasa Cash account earns .01% APY. Kasasa Saver: the entire daily balance in the Kasasa Saver account earns .01% APY. Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
Kasasa Eats: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Eats account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
Kasasa Play: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Eats account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $15.00 minimum deposit is required to open the Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Play account. No minimum deposit is required to open the Kasasa Saver account. Limit of one (1) account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account is required to have a Kasasa Saver account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account, American Share Insurance.
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats, Kasasa Play and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.