A Common Bond. An Uncommon Commitment To Our Members.
Online Banking
Routing Number: 221277007
Member Services:
(888) 423-7265


Frequently Asked Questions

Online Banking - Net Access

You will need to contact a representative to set up Net Access. Call us at (888) 423.7265 between the hours of 8:00 a.m. and 3:00 p.m. or email us at info@bmsfcu.org to get started. Our representatives will help you set up a username and password so you can log in at your own convenience. 

You can gain access on your computer through quite a few different web browsers, including Google Chrome, Safari, Firefox, and Microsoft Edge. Regardless of which browser you use, the "Cookies" option must be enabled. Cookies are small files loaded onto a user's PC which "communicate" with a web server. Cookies store a profile that lets the web server know certain demographics about the PC being used (possibly hardware components and/or software used) as well as specific preferences for the PC user. This allows the webserver to custom tailor the content viewed on the website.  

Nothing. Net Access is free to members of B-M S Federal Credit Union. 

If you are new to Net Access, you will need to contact a representative to create a username or password. You can call them at (888) 423-7265 between the hours of 8:00 a.m. and 3:00 p.m. or email us at info@bmsfcu.org.   

You can change your own password at any time by going to the Preferences link, and then to Change Password, and follow the prompts. Your new password can be from 4 to 10 alphanumeric characters. When creating your new password, remember that passwords are case-sensitive. If you forget this new password, you must call B-M S FCU, weekdays between 8:00 a.m. and 3:00 p.m. to re-activate this service. You will need to verify your identity at this time.   

We recommend that you set up our Forgot Password? function so you can easily find your password if you cannot remember it. Simply click on the Password Reset link, type in your custom question and the answer to that question. Click on the Save Information button, and you're done. For security reasons, we strongly recommend that your question refers to information that very few people could answer, such as your first car, first school, first street address, first pet, etc. 

Yes. Ensuring the privacy and security of your account and personal information is a top priority. No member information is accessible to the public through the web server. Net Access requires both your correct account number and PIN number to access account information. 

Other layers of security include automatic sign-off, encryption, firewalls, and password lockout. You can be assured of our site's security by checking to see the "https:" in our URL; the "s" signifies a secure site. Also, you can check for the closed padlock icon on the status bar at the top of your browser. 

Members signing on for the first time are also required to enroll by answering a series of 3 challenge questions. The answers to the three questions chosen are case-sensitive. Questions are asked randomly when signing into Net Access 

Remember to Log Off at the end of each session. We also recommend that you clear your cache and history files after each session.  

There are several things you can try to correct this situation. First, verify that your account number was typed correctly. If your account number begins with a zero, do not type the leading zero when entering your account number. For example, if your account number is 012345678, you will need to enter your account number as 12345678.

Likewise, you must also enter any trailing zeros. For example, if your account number is 12345000, you must enter the full number; not just 12345. 

Also, keep in mind that your password is case-sensitive. If you entered your password in lower case, try it again in uppercase, or vice versa.

If you have tried unsuccessfully more than three times, it is possible that your account has been locked. One of our many security features is that an account is locked after three unsuccessful attempts are made to access it. If you suspect this may have happened, please contact us immediately either by phone at (888) 423-7265 or by e-mail at info@bmsfcu.org. 

For security reasons, we recommend you bookmark our home page, www.bmsfcu.org, rather than Net Access. 

Online transactions will appear as "Personal Credit Union" and will have a trace number. 

No. However, you can print your own record of transaction if you have a printer attached to your PC. 

You can print account history in the Account Lookup section. First, you must click on the history portion, then click on the print icon. Net Access pages are composed of frames. Your cursor must be clicked in the section of the page that you wish to print.  

The "Withdrawal" function is available for members who are in need of funds, but are unable to travel to a credit union office. Click on the "Withdrawal" button, specify the share account suffix to withdraw from and the amount to be withdrawn, and click on the "Submit" button. A check will arrive at your door as quickly as the postal service can get it there! 

Yes. Stop payments can be done online through Net Access. 

Yes. Members can log in and view images of each check that has cleared. 

Yes! To sign up for our Bill Payer, please call us toll-free at (888) 423-7265, or send us an email at info@bmsfcu.org. 

Net Access is a fully secure application. Your browser will display this message each time a new screen is accessed if you have not disabled security warning messages. To eliminate the need to confirm each secure page, check off the option to not show the secure warning message. 

Response time is the result of a number of variables, including your Internet Service Provider (ISP) and your computer hardware (modem speed, amount of RAM, etc.) The amount of traffic on the internet, the number of people accessing Net Access, and the condition of your phone lines will also affect your response time. 

If you encounter issues with Net Access, there are a couple of things you should check on to see if the issue can be resolved. 

Make sure you have cookies enabled in your browser. To access your cookie settings, you will need to go into your browser preferences and select how you would like to handle them. It is up to the individual to specify their preference. If you choose to disable all cookie use, you must manually enable them before using Net Access and then disable them again after your session is complete. 

Check that you are using a browser that is Java-compatible. You must also make sure that you have selected to make Java active in your browser. 

And finally, determine if your online session has timed out. For security purposes, each user session is limited to twenty minutes. Once this time has passed, Net Access will end your session. If you try to click on any other area of Net Access, you will receive a message that the page cannot be displayed, or that it is currently unavailable. You will probably still see the last Net Access screen you were on because it is saved in your cache, but you will need to log back in to use Net Access again. 

If you are still experiencing an issue, please give us a call at 888.423.7265 between the hours of 8:00 A.M. and 3:00 P.M. or email us at info@bmsfcu.org.   

No. We identify your computer through other means as well as cookies, so you can safely delete cookies without having to set up your access information again. However, you will be asked to answer one of your three randomly selected challenge questions the next time you log in. 

Email Services

Email Services are a service for our members that let you subscribe to electronic delivery of most credit union notifications. These include e-Statements, credit union correspondence, and account alerts. 

Email notifications are securely delivered electronically which replaces postal mail items that may be subject to theft and subsequent identity theft. Email notifications also eliminate paper contributing to an eco-friendly, Go Green environment and less paper clutter in your home. Email notifications are speedy! Receive instant account notifications and alerts instead of waiting for postal mail. If you travel, this is a valuable service while away from home.  

We auto-enroll everyone with a valid email address on our system and you can select your preferences via Net Access home banking or by contacting us.

No problem! If you do not want to participate, either contact our office or log into Net Access and unsubscribe.  

Log into Net Access home banking and re-enroll. Go to Access Accounts tab, then e-Notifications tab. The enrollment process is user-friendly. If you find you need help, please contact us.  

You can download the full E-Statement Agreement and Disclosure document on our Disclosures page.