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Share Draft Accounts

Checking & Debit Made Easy
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Share Draft Checking Accounts

Checking accounts can be an important tool when it comes to meeting your financial goals. B-M S Federal makes it easy to open and manage your checking account. Our many convenient features are here to help you handle your daily financial transactions and get the most out of your money. 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.

Account Highlights

  • Free drafts once a year*
  • No minimum balance requirement
  • No monthly service charge
  • ATM and/or Debit Card available
  • Dividends paid on balances of $200 and over
  • Free overdraft protection on checks
  • Reorder checks directly through B-M S FCU
  • Cost-free checking for youth accounts**

*Free drafts once a year with direct deposit and an ATM and/or Debit Card.
**Only 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.

Additional Features

sample B-M S FCU credit cards

Debit Cards

Your B-M S FCU Debit Card can be used to pay for purchases anywhere MasterCard™ is accepted. Upon checkout, simply select debit or credit to conduct the transaction. The funds will be deducted directly from your Checking Account, so you can enjoy the convenience of making purchases without having to write a check or carry cash. Debit cards can also be used to withdrawal cash at the ATM. Debit Cards are available to members who have an open Share Draft (Checking) Account.

Card Valet screen on smartphone

Fraud Protection

B-M S FCU offers CardValet, a mobile card management application that helps reduce fraud by allowing you to monitor your debit card with your smartphone. With this app you can:

  • Turn your card “off” when you aren't using it or if it is lost or stolen.
  • Set controls based on dollar amounts, merchant categories and geographic locations.
  • Receive alerts when your card is used or exceeds the transaction controls you set.

Once you are set up, you can click on your name to customize your controls and alert preferences.

Download CardValet for Your Smartphone

Get it on Google Play
Download on the App Store
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ATM Cards

Your B-M S FCU ATM Card can be used to pay for purchases at grocery stores. Upon checkout, simply select debit and enter your pin. The funds will be deducted directly from your Account, so you can enjoy the convenience of making purchases without having to write a check or carry cash. ATM cards can be used to withdrawal cash from both your checking or you savings accounts. ATM Cards are available to members who have a Share (Saving) Account.

Apply Now
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Finding an ATM

ATM cards can be used at any B-M S FCU branch, or at machines that are part of the NYCE, PLUS or ACCEL/EXCHANGE network. Your accounts are available to you 24 hours a day, 7 days a week at thousands of locations.

ATM Locations

Report All Lost or Stolen Cards

If your B-M S FCU Debit Card or ATM 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.

Share Draft Fee Schedule

ATM/DEBIT Cards
ATM/Debit Lost Card $12.00
Express Card Delivery $52.00
Debit (MasterMoney Fee) $1.00 After 3rd ATM transaction per month
ATM Or Debit Card Share Transfer $3.00
ATM Annual Fee $12.00 Posted Feb 1st
General Fees
Canadian Return Deposit $17.50
All other foreign currency items deposited $30.00
Cashier's Check $2.00
Deposit Item Returned $15.00
Photocopy of Draft $5.00
Stop Payment (Teller Ck) $25.00
Photocopy of Deposit $5.00
Collection Deposited Item: varies
Late Loan Payment Fee $25.00 (5 day grace period)
Canadian Deposited Item Under $500 $5.00
Loan Payment Return Fee $25.00
Canadian Deposited Item Over $500 $10.00

Current Rates As of June 1, 2022

0.025%-.0250%