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 | ||
| 6.20% | 6.03% | $15,000 | Non-qualified accounts earn .01%APY |
| 6.20% - 0.94% | 0.15% | 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% |
No more forgotten passwords! Add your card to Mastercard® Click to Pay, then simply click “Remember me” and speed through checkouts – fast and secure, no password required.
Store multiple cards in one secure profile without sharing your payment details every time you check out. With Mastercard®, you’ll have your cards at your fingertips wherever Click to Pay is available.
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 of $5 or more and one ACH payment or withdrawal (Kasasa Eats and Kasasa Play do not require an ACH).
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 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. Monthly Qualification Cycle is the last day of the previous month to the second last day of the current month. To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your selected Kasasa Checking account during each Monthly Qualification Cycle:
Qualifications
• At least one 1 ACH direct deposit or ACH credit transaction(s)*
• At least fifteen 15 debit card purchases, each of $5.00 or more
• Be enrolled and receive e-statements
*ACH Transaction not required for Kasasa Eats or Kasasa Play
The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5.00, 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 Frankenmuth 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. The “Statement Cycle” is the first day of the month to the last day of the month. 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.
Cash Back & Refund Reward Accounts: The following accounts are free, variable reward checking account with no minimum balance that reward accountholders with nationwide ATM withdrawal fee refunds and provide “cash back” or “refund” rewards if Monthly Qualifications are met during Monthly Qualification Cycle:
Kasasa Cash Back: you will receive 5.00% cash back on up to a total of $200 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 Eats: earns cash back of 5.00% monthly on the first $200 in select grocery and food delivery debit cards purchases that post and settle to the account during that cycle person. A maximum of $10 a month earned per Monthly Qualification Cycle.
Kasasa Play: earns a refund of up to $10 a month on music, video, gaming, and other select monthly services each month members qualify. A maximum of $10 a month earned per Monthly Qualification Cycle. The cash back or reward payments will be credited to your Kasasa checking account.
Dividend Reward Accounts: The following accounts are free, variable reward checking account with no minimum balance that rewards accountholders with nationwide ATM withdrawal fee refunds and provide “dividend” rewards if Monthly Qualifications are met during Monthly Qualification Cycle:
Kasasa Cash: daily balances up to and including $15,000 earn a dividend rate of 6.0305% resulting in an APY of 6.20% and daily balances over $15,000 earn a dividend rate of .1499% on the portion of the daily balance over $15,000 resulting in a range from 6.20% to .94% APY depending on the account’s daily balance.
Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn a dividend rate of 2.96% resulting in an APY of 3.00% and daily balances over $50,000 earn a dividend rate of .13991% 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.
Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle.
You will receive reimbursements up to $20.00 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. FCU reimburses ATM withdrawal fees based on estimates when the withdrawal information FCU receives does not identify the ATM fee. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Play transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
When Qualifications are Not Met in a Month: Depending on your Kasasa account, when your qualifications are not met, cash back and reward payments are not made. Music, video, gaming or other select service purchases are not reimbursed. Nationwide ATM withdrawal fees are not reimbursed. 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.
If Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play 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, Kasasa Eats, or Kasasa Play: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back, Kasasa Eats, or Kasasa Play account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
APY = Annual Percentage Yield. APYs accurate as of March 1, 2025. APY calculations are based on an assumed balance of $15,000 in your Kasasa Cash account and $50,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
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 checking 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. Frankenmuth Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 120 days consecutive Statement Cycles. 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.
Bonus Information:
$15.00 minimum deposit is required to open the account. Limit one account(s) per social security number. Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, Kasasa Eats, and Kasasa Play are trademarks of Kasasa, Ltd., registered in the U.S.A.