Quick Answers

ROUTING # 272480131

Member Number

Your member number can be located on your monthly statement in the top right corner.

The account number you would use for direct deposit or online payments, will be your member number plus the 3 digit account suffix.

Account suffix can be found on the accounts screen in online banking and the mobile app or on your monthly statement.

Click the button below to learn how to view your e-statements in OLB and the mobile app.

If you do not have online banking, call/text an FCU rep at 989.497.1600 to help with OLB enrollment.

First-Time User?

When you signed up for your membership, or requested first time access to online banking, you were provided instructions on how to log in to online banking for the first time. Online banking logins are associated with the member number. The same user name and password will need to be shared with any authorized users on the account.

First time users can enroll using online banking or the mobile app.

First time login credentials are most commonly:
         Username: Account Number
         Password: Last 4 of the primary account holder’s social security number and their birth year.

Once logged in, you will be prompted to change your user name and password.

Temporary passwords are good for 24 hours. After that time frame, please contact the credit union to reset your temporary password.

For more information on how to use online banking and the mobile app click the FAQ link below.

Online Banking & Mobile App

Online banking is supported on most (up to date) web browsers. Mobile App can be downloaded for apple and android products in the App Store or Google Play Store.

Manage your accounts, pay bills, deposit checks, transfer funds, move money and budget your finances.

Visit our Mobile App and Consumer Banking page.

Here you can view features, self-help videos, and commonly asked questions.

This page can help you with: forgotten passwords, locked accounts, authentication settings and much more!

First Time Sign In:
If you have not set up online banking and the temporary password you were given does not work, please call or text our support team at 989-497-1600. Your initial temporary password, given at account opening, is only good for 24 hours and must be changed within that time frame.

Forgot Password:
If you forgot your password, use the “I forgot my password” feature (located below the sign in button) and answer your security questions. This will prompt you to change your password.

Note: Beginning April 18, 2024, Frankenmuth Credit Union’s Online Banking (OLB) and App platforms will require a 10-character password to authenticate your login. Because protecting your information is our top priority, FCU will require you to update your login password to be at least 10 characters.

Locked out of Account:
Members are only allowed three invalid attempts before their password is disabled. If your account is locked, use the “I forgot my password” feature (located below the sign in button) and answer your security questions. This will prompt you to change your password.

If you do not know the answer to your security questions, please contact an FCU rep by calling or texting 989-497-1600.

Have a check to deposit but no time to visit the bank? Use e-deposit on the mobile app or click the link below to deposit your check. It’s as easy as taking a picture of the front and back of your check.

The back of your check MUST include:
        FCU e-deposit

Check images received by 2pm Eastern time, Monday-Friday (business days only) are guaranteed same day deposit. This is not a real time system. For problems or concerns, please call FCU Support Center at 989-497-1600 .


Our 24-hour telephone banking service allows you to check balances, transfer money and see what checks have cleared.

Call 989.497.1600 to set up your PIN. Then call 1.844.776.9164 to launch CU* Talk.


Text Banking Phone Number 1-844-776-9164

BAL              Balance for eligible accounts
BAL 000     Balance for Specific account
TRANS        Trans + Code + Amount-Transfers the specified amount between the accounts configured in the custom transfer code
STOP           Turns off all text banking
HELP           Provides you with help for unenrollment

Visit the Mobile App and Online Banking FAQ page for enrollment options and more information.


Click below to find a local FCU ATM or one of 30,000 surcharge free ATMs.

ATM deposits are subject to account review. This feature may not be available immediately.

Most ATMs give cash back in 20s. ITMs can give cash back in $50, $20, $5 and $1, even when using the ATM side.

Withdrawal limits are set at time of account opening.

Deposits made at an FCU ATM or shared branch ATM may not be made immediately available for transactional use.

If your card is captured in the ATM, please contact FCU.

To speak to a Frankenmuth Credit Union representative for more information Call/Text 989.497.1600.


The following branch locations feature an ATM Live Teller Machine (aka ITM):

Bad Axe
Bay City
Birch Run Meijer
Cass City
Fairgrove (no lobby hours – only ITM)
Saginaw Town & Country
SVRC Marketplace
Tittabawassee Meijer
Thomas Township

ATM Live Teller Machines, also known as ITM (Interactive Teller Machine), allow for face-to-face service to our members through video technology with walk-up and drive-up machines. If you have ever talked to someone on FaceTime or with webcam, it is very similar. You are directly connected securely with a FCU service rep. Your FCU rep can perform any financial transaction you typically perform in a drive thru. Plus, this machine can also function like an ATM when you don’t need face-to-face assistance.

What is an ITM and how do I use it? Click video button below to learn more!

shared branching

Not near an FCU branch? Try Shared Branching.

Shared Branching allows members to access their accounts at other credit unions across the US.

Click the link below to find a shared branch near you.

Holiday Hours

New Year’s Eve
New Year’s Day
Martin Luther King Day
Presidents’ Day
Good Friday: Closed from Noon – 3pm
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans’ Day
Christmas Eve – Close at 1pm
Christmas Day


The address used for Frankenmuth Credit Union Lien’s is:

Frankenmuth Credit Union
PO BOX 209
Frankenmuth MI 48734

The State of Michigan is moving towards ELT (electronic lien title) Titles. Effective October 1, 2023 all titles must be processed ELT, in the State. No more paper titles.  If you are refinancing or buying a used vehicle we also will be required to turn the paper title into ELT when we process the loan. Frankenmuth Credit Union’s ELT is LH054811 to place FCU as lien holder electronically.


An unexpected charge can be the result of merchant error or fraudulent activity. If you believe that merchant error was the cause please contact the merchant for reimbursement. If you are unable to contact the merchant or the merchant is unwilling to reimburse the charge, please fill out the appropriate dispute form for Mastercard-credit/debit dispute —OR— ACH dispute (electronic, bank-to-bank money transfer).

If fraudulent activity is suspected please fill out the dispute form and provide as much information as possible.

Take control of your account. In OLB and the Mobile App you can set up account alerts for account balances, payment reminders, transaction alerts and much more.

Visit the OLB/Mobile APP FAQ for more information.

ID Protect is a proactive approach to providing FCU members with identity theft protection, credit monitoring and cellular telephone protection. Click here to learn how to activate ID Protect on your account.

For current users call 1.877.610.7889 to contact a dedicated fraud specialist.

overdraft protection

An overdraft occurs when you do not have enough money available in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

We offer standard overdraft practices (also known as Bounce Protection) that come with your account, if you are a member in good standing.

We also offer overdraft protection plans that link to a Regular Savings, All-In Savings, Growth Savings, Plus Savings, Wealth Builder, credit card or a line of credit loan. These plans are less expensive than our standard overdraft practices.

We do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number and automatic bill payments.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to: ATM transactions and everyday debit card transactions.

If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions, complete and submit the form below.

FCU will charge a fee up to $35 each time an overdraft is paid through Bounce Protection.

There is no limit on the total fees FCU can charge for overdrawing your account.

Please Note: We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

To unenroll in overdraft protection, please fill out the form below.

Please note:  When you unenroll in overdraft protection, ATM and everyday debit card transactions will no longer be authorized to overdraft your account and your transaction will be denied.

We also offer overdraft protection plans that link to a Regular Savings, All-In Savings, Growth Savings, Plus Savings, Wealth Builder, credit card or a line of credit loan. These plans are less expensive than our standard overdraft practices.

Fill out the form below and we can link one of the accounts listed above to your checking account. If funds are low or non-existent in your checking account, your savings account will pick up the slack so you may avoid the non-sufficient fund fee.


Call 1.888.241.2510 (inside U.S.) or 1.909.941.1398 (outside U.S.)

Call 1.888.241.2440 (inside U.S.) or 1.909.941.1034 (outside U.S.)

In order to avoid unauthorized transactions when your card is lost or stolen simply turn off your card by opening the FCU App go to MORE>CARD CONTROLS

For debit/credit cards that have been damaged accidentally or because of wear and tear click on Card Replacement.

All cards are subject to a $5 replacement fee*,  except in the case of fraud.

*fee schedule subject to change, speak with an FCU Rep for most current fee schedule.

The following locations are instant issue locations. Members can order their credit or debit card, have it printed and picked up on the same day.

Bad Axe
Bay City
Birch Run Meijer
Frankenmuth Main
Harbor Beach
Saginaw T&C
Thomas Township
Vassar Downtown
West Branch

Call/Text  989.497.1600 to speak with an FCU Rep to order your card.

If you are not near an instant print location, cards can be ordered and shipped to the nearest branch. This may take 1-3 business days. An FCU Rep will call when your order is ready for pick up.

Custom Card orders can be placed online and may take 1-3 business days to print. An FCU Rep will call when your order is ready for pick up.

To activate your debit/credit card or change your pin call 866.762.0558

Helpful Tips for Card Activation:

  • Call from the primary phone number on your account
  • Provide the last 4 digits of your Social Security number
  • Remain on the line to select/change your PIN

If you are having troubles call/text 989.497.1600 to speak with an FCU rep.

Before you head off to your destination, we recommend you keep these numbers handy in case of fraud or locked/blocked card issues.


Lost/Stolen International:

Fraud or Blocked Card:

Fraud or Blocked Card International:


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 account suffix (normally 110 or 111) and our routing number 272 480 131

Members can purchase money orders at any FCU branch location.

Money orders can be purchased in amounts up to $1,000 for a $2 fee* per money order.

Seniors get up to 3 money orders free per month.

*Fees are subject to change, speak with an FCU representative for most current fee schedule.

Members can purchase cashier’s checks (certified checks) at any FCU Branch location for a $3 fee* per cashier’s check.

Members can also log into online banking to have a cashier’s check mailed to them. The check will pull funds from the selected account and must be made out to an owner on the account.

Desktop: Pay & Transfer>My Checking> Check Withdrawal

App: Move Money (bottom navigation menu)> Check Withdrawal

*Fees are subject to change, speak with an FCU representative for most current fee schedule

Send / Receive Money

Use the link below to allow transfers between another financial institution and your Frankenmuth Credit Union (FCU) account (A2A-Account to Account Transfers). Contact your other financial institution to ensure you have proper information before submitting this request. Note: To submit this request, a copy of a voided check or account statement to the other financial institution is required for upload.

After your initial setup request is approved, you can perform A2A transfers in online banking and the mobile app under the Quick Transfer or Schedule Transfer sections.

FCU makes it easy to send money to anyone, anywhere, anytime with our P2P app.

View the P2P link below for information on how it works.

To initiate a wire transfer please contact the credit union or visit one of our branch locations. Wire transfer fees do apply. Ask a FCU rep for more information.

Domestic wire transfers need to be received by 4:45pm and international wires by 3:30pm for same day processing.

Provide the following information to the person/institution sending the wire transfer.

ABA # 272-480-131

Final credit to the member:


Inside Online Banking go to > Member Services > Order Foreign Currency > Scroll down and select > Order Foreign Currency

Inside App go to > More > Order Foreign Currency > Scroll down and select > Order Foreign Currency

Here you will find a link to Order Foreign Currency. You can conveniently choose to have it shipped directly to your home (you will need someone there to sign when they deliver) or to any one of the FCU branches for you to pick up. A shipping fee will be applied to the order.


Need to purchase Canadian currency?

Frankenmuth Credit Union has two locations that can exchange Us funds to Canadian currency: Frankenmuth Main and Birch Run Meijer

Both locations carry a limited supply, please call ahead to see if your order can be fulfilled. Or, place an order through online banking or the mobile app by using the steps listed above*.

*Shipping fee will be applied when ordered online and in the app.

Canadian Currency

Currently all FCU branches can exchange Canadian dollars along with $1 and $2 coins into US Dollars. FCU is unable to exchange small coin denominations. $10 nonmember fee may apply.**

All other foreign currency

Foreign currency can be exchanged at any FCU branch location for a nominal fee of $30.* Only dollar denominations will be accepted, no coins. Exchange rate is updated daily. For nonmembers, an additional $10 nonmember fee may apply.**

*Fees subject to change, please contact an FCU Rep for an updated fee schedule
** Nonmember fee is subject to change, speak with an FCU Rep for an updated fee schedule

Please Note:

By law, FCU is unable to accept currency from countries listed on the government block list.
FCU may be unable to exchange certain currencies if the currency is old or damaged.
If you have questions please Call/Text 989.497.1600 to speak with an FCU rep or visit a branch location near you.


Life is hectic and finances can get tight. In times like this, some things can easily be forgotten.  Please contact us at your earliest convenience to make adjustments to your due date or your account.

Even being a financially responsible member, life’s unpredictable nature can sometimes catch you off guard, at times making it dangerously easy to fall into debt.

Frankenmuth Credit Union offers a free easy-to-use interactive coaching tool that can empower members to take control of their debt.

The coaching session usually takes 5 minutes and be sure to have your debt information available. Your progress during the coaching session can be saved and emailed to you.

The success of Frankenmuth Credit Union is built on service. And we strive to help our members reach their financial wellness. Based on these two simple, yet powerful objectives, we trust Greenpath Financial Wellness to provide you with the very best financial counseling services available.

To contact Greenpath call 989.332.2235 or visit the website

MoneyMap is an online money management tool, securely integrated into online banking, that helps simplify budgeting and monitor spending.

Click the link below to learn more!

Lending information

From auto to personal loans FCU has a solution for your lending needs.

Visit our loan page to view lending options, learn facts about credit and apply for a loan.

FCU offers the most competitive lending and savings rates around!

These offers are for a limited time only and can expire without notice.

To view our most current rate specials, click the button below.

Looking for a new car but not sure which one you want? Get preapproved to make your shopping easier. FCU preapprovals are good for 60 days.

FCU works with several dealerships as well. Once you find your car you can complete the loan process right with the dealer.

Click here to view a list of dealerships that work with FCU members.

Federal Law allows you to request a free copy of your credit report every 12 months from each credit bureau.

It is important to review your credit report to ensure it is correct and up to date. Your credit report can affect your mortgage and loan rates, credit card approvals and even job applications.

To request a free copy of your credit report, click the link below.

Loan payment due dates are established at the time of the loan. If you need to make a change to your loan payment due date, please fill out the short form below.

To receive a payoff amount on your auto loan, home mortgage or other personal loans call/text an FCU rep at 989.497.1600.

If you had collateral on your loan and the loan is paid in full, call/ text 989.497.1600 to request a termination statement.

To have the physical title signed-off please visit one of our branch locations.

The State of Michigan is moving towards ELT (electronic lien title) Titles. Effective October 1, 2023 all titles must be processed ELT, in the State. No more paper titles.  If you are refinancing or buying a used vehicle we also will be required to turn the paper title into ELT when we process the loan.

The lienholder address for Frankenmuth Credit Union is:

Frankenmuth Credit Union
PO BOX 209
Frankenmuth, MI 48734

Call/Text an FCU rep 989.497.1600 for more information or visit our Loan information page.

Close Account

This form below is for closing an account(s) and/or sub account(s). This form is not intended for closing a membership at Frankenmuth Credit Union. If you are requesting to close your FCU membership, please contact us or ask Chatbot Carl: CONTACT US.


Adding a joint owner to your account is easy. Simply fill out the form below.

Naming a beneficiary helps protect your financial accounts. In the event of your passing, the person listed as beneficiary will become the owner of your account. To add a beneficiary or change an existing beneficiary, fill out the form below.

Take a picture of your driver’s license/photo ID. Your driver’s license/photo ID will be added to your account for identification purposes when you come in and do a transaction. It also provides us a copy of your signature for future reference.

Update Personal Information

As life changes make sure to keep your personal information up to date to ensure you receive important correspondence from FCU. To update your information follow the steps below or use the button below to access the online form.

NOTE-ONLINE UPDATES: Since protecting your information is our top priority, FCU will require a one-time passcode to verify your identity before any updates or edits to your personal information can be completed. You can choose to have the passcode sent to your email address or your phone number on file. Once you get the code, simply enter it to authenticate yourself and proceed with changing your personal information.
  • Select PROFILE ICON top right corner
  • Choose where to receive your passcode
  • Enter Code when prompted
  • Update address, email, phone numbers and code word
  • Make sure the first number listed under phone number is your mobile number-the primary number where text alerts can be received. Note: The number listed in the first field must be a mobile/cell number in order to receive messages/alerts


My Member Insurance Agency (MMIA), an affiliate of Frankenmuth Credit Union, is committed to providing competitive insurance products and exceptional customer service for FCU members.

To contact MMIA please call 989.781.2662 or visit the MMIA website.

Uptown North Main and The Arbors are a wholly owned subsidiary of Frankenmuth Credit Union located in Frankenmuth. Uptown North Main is a gathering place for receptions, weddings, bridal showers and also houses FCU’s administration staff.  FCU members are eligible for special discounts.

If you have any questions about Uptown North Main and The Arbors please call 989.249.9268 or visit the website.

The VITA Program is ran though the United Way of Saginaw County and housed at our Bridgeport Branch and Frankenmuth Branch.  For more information or to make an appointment please go to  https://www.unitedwaysaginaw.org/VITA.

FCU Community Room

Frankenmuth Credit Union’s Community Room, located in the Garden Level at the Main Branch in Frankenmuth can seat up to 170 people seated. A 50% deposit is required at the time of booking. There is an additional $125 security deposit for all rentals.

The room features a kitchen, public restrooms, tables, chairs and elevator access.

For more information, contact events@uptownnorthmain.com


The Frankenmuth Credit Union essay contest is available for high school seniors in the beginning of September.  The applicant is required to be a current member of Frankenmuth Credit Union and qualify for one of eight scholarships listed on the application.


Frankenmuth Credit Union’s Foundation for Our Communities is a source of funding to promote the betterment of all of our communities.

The Foundation reviews applications quarterly.

Applications must be received by March 15, June 15, September 15, or December 15.

Learn about what Foundation for Our Communities has done in your community.

Application Criteria

  • Will give consideration to organizations that meet the IRS guidelines for non-profit organizations (i.e. 501(c)3 and/or 502(c)4)
  • Must serve a need within Frankenmuth Credit Union’s (FCU) field of membership.
  • Supports charitable purposes which further the betterment of the communities served by FCU.
  • Consideration given to entity/member request with established relationship with FCU.
  • Targeting 30% of funds dispersed for youth-related purposes, 40% of funds dispersed to community-related purposes and 30% to other.
  • The foundation board will meet once a quarter.
  • Applications must be received by March 15, June 15, September 15, or December 15. Applications can be mailed to: Frankenmuth Credit Union, Attn: Marketing, P.O. Box 209, Frankenmuth MI 48734 or dropped off at any Frankenmuth Credit Union office, attention marketing.
  • Funds can not be used for current general operating or maintenance expenses.
  • Funds cannot support one religion over another and cannot support one certain political representative, party or cause.
  • Will not fund individuals, except in the case of scholarships.
  • Applicants may be asked to present in person to the FCU Foundation for Our Communities board.

Frankenmuth Credit Union recognizes the financial strain that many school districts face each year. FCU wants to assist educators in purchasing materials that enhance the learning environment in the classroom.

Applicants are required to be current members of Frankenmuth Credit Union.

Frankenmuth Credit Union members who are 7 to 19 years old that are participating in the Saginaw, Tuscola, Huron, Genesee, Bay, Shiawassee, Ogemaw, or Midland county fair livestock auctions through 4H or FFA can apply for a grant to supplement the cost of purchasing, raising and/or caring for animals that will be sold at the auction.

Deadline to apply is May 1st.

Additional Information

Once judged, winners will be announced and receive their grant money during the Fair livestock auctions to go to help defray the cost of purchasing, raising and/or caring for an animal to be sold at the county livestock auction.

Frankenmuth Credit Union is proud to sponsor and donate to community organizations though out the Great Lakes Bay Region.  Requests are considered for their alignment with FCU values and granted bi-monthly.  Only approved requests will be contacted.


The Frankenmuth Credit Union 3 on 3 Tournament is back in 2024! The tournament will be held on Saturday, March 16th, 2024. The tournament is for girls and boys in 4th-8th grades, and is located at Frankenmuth High School and List Elementary.  All proceeds go to Hope Pocket, a fund created by and fundraised for by Frankenmuth Credit Union employees to help FCU members who have fallen on hard times.

Deadline to register is March 1st at 5pm.

Annual meeting

The 2024 Annual Business Meeting of the Frankenmuth Credit Union will be held on March 15, 2024 at 5:00pm. This meeting will be held via Zoom. If you would like to attend, please contact Heather at hgalsterer@frankenmuthcu.org to receive the zoom meeting information.


Frankenmuth Credit Union is always looking for motivated individuals to join our team. Please submit applications at any branch or email to KSchmitz@frankenmuthcu.org