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USA Patriot Act

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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county.

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Required Products

Select at least one of the following products required for membership

Regular Shares

Opening a savings account is what makes you a BMI Federal Credit Union member. Your savings account is your primary account and represents your share of ownership in the credit union.

APY: 0.05% Min Deposit: $5.00

You may select one of the following products

Available Products

Savings Checking Certificate Account Money Market HSA

Secondary Shares

Secondary Share accounts allow you to save for a specific purpose and keep those funds separate from your primary share account.

APY: 0.05%

Holiday Club

Don't go into debt for the holidays. Open a Holiday Club Savings account to prepare for the holiday season. You can open an account anytime throughout the year and start making deposits. BMI FCU Holiday Club pays a higher rate than regular savings. The accounts are paid out November 1 of each year and deposited into your savings or checking account.

APY: 0.25%

Change Jar

Change Jar rounds transactions from debit card purchases to the next dollar, and the difference is moved into a special high yield savings account. You must have a BMI FCU Checking account to qualify for Change Jar.

APY: 4.00%

Checking

Our BMI FCU regular Checking is free to open and maintain. That’s right – there’s no minimum balance requirement or monthly fee!

Platinum Checking

Our Platinum Checking has a small monthly fee waived with a required minimum balance. Plus, it pays a tiered monthly dividend. This account is ideal for members who carry larger checking balances.

Max APY: 0.10% Min Deposit: $0.00

Starting Over Checking

Life sometimes hands you challenges. If you've had financial difficulties in the past, you may still be eligible to open a Starting Over Checking account with us.

3 Month Share Certificate

APY: 2.44% Min Deposit: $500.00

6 Month Share Certificate

APY: 3.38% Min Deposit: $500.00

12 Month Share Certificate

APY: 3.49% Min Deposit: $500.00

18 Month Share Certificate

APY: 3.55% Min Deposit: $500.00

24 Month Share Certificate

APY: 3.60% Min Deposit: $500.00

30 Month Share Certificate

APY: 3.40% Min Deposit: $500.00

36 Month Share Certificate

APY: 3.34% Min Deposit: $500.00

42 Month Share Certificate

APY: 3.25% Min Deposit: $500.00

48 Month Share Certificate

APY: 3.20% Min Deposit: $500.00

54 Month Share Certificate

APY: 3.14% Min Deposit: $500.00

60 Month Share Certificate

APY: 3.14% Min Deposit: $500.00

24 Month Bump Certificate

APY: 3.34% Min Deposit: $500.00

36 Month Bump Certificate

APY: 3.20% Min Deposit: $500.00

12 Month Youth Certificate

APY: 4.06% Min Deposit: $50.00

Plus Money Market

A Money Market Account is a type of savings account that usually earns a higher amount of interest than a basic savings account, but also requires a higher minimum balance. Our Plus Money Market has no monthly fees, but requires a minimum balance of $2,500 to earn higher dividends.

Max APY: 2.09% Min Deposit: $0.00

Platinum Plus Money Market

Max APY: 2.34% Min Deposit: $0.00

HSA Checking

Health Savings Account (HSA) Checking Account to help you save money while managing your healthcare payments.

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	N/A
.	0.05%	0.05%	$2,500.00	N/A
.	0.10%	0.10%	$10,000.00	N/A
.	0.10%	0.10%	$25,000.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	N/A
.	1.49%	1.50%	$2,500.00	N/A
.	1.79%	1.81%	$10,000.00	N/A
.	2.07%	2.09%	$25,000.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	N/A
.	2.32%	2.34%	$50,000.00	N/A

Please answer the following question(s)

Please describe the primary purpose of this account:*

Household/Living ExpensesPersonal SavingsOther

Describe the primary purpose of this account:*

Deposits to this account will primarily be from? (Check all that apply)*

Direct DepositCheck(s)CashMoney Transfers (Wires,CashApp,Zelle,Venmo,etc.)Other

Describe where deposits to this account will be from:*

Do you expect any international funds transfers? (e.g. Wires,ACH,etc.)*

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Description

Details

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Maturity Date

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We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

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Funding

How much do you want to deposit?

Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Credit Card (max $250.00)

Transfer From Another Financial Institution (max $250.00)

Internal Transfer

I understand that transactions between a BMI Federal Credit Union account and another financial institution (U.S. only) will first require verification of the external account.

The process is as follows:

BMI Federal Credit Union will initiate two (2) micro-deposits into the External Account indicated. Micro-deposits are randomly generated deposits under $1.00 which will then be withdrawn. The transactions can take up to two (2) business days to appear in your account.
When the deposits have been initiated, you will receive an email instructing you to visit your External Account. Make note of the dollar amount of each deposit because you will need to record them later.
Follow the link in your email to verify the dollar amount of each micro-deposit. This will ensure the External Account intended will be available to use to fund your new account.
You may also use the "Finalize Application" link from our website to access your application in order to complete the External Account verification process.

If you do not see the micro-deposits in your external account within the specified timeframe, you may need to contact your external financial institution to verify you are using the correct routing number (some institutions have multiple, designated routing numbers).

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*Required Field(s)

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Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of BMI Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of BMI Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Click or tap here to capture or upload an image or document.

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Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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How did you hear about us?*

Please enter how you heard about BMI Federal Credit Union.

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Read, Sign and Submit

By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Email me all below disclosure link(s)

I have read and understand the BMI Federal Credit Union Electronic Statement, Disclosure and Notice Authorization.

I have read and understand the BMI Federal Credit Union Privacy Notice.

I have read and understand the BMI Federal Credit Union Membership Agreement, Truth in Savings, Truth in Savings Certificate, Fee Schedule, Electronic Funds Transfer, Funds Availability.

I authorize BMI Federal Credit Union to obtain a credit report.

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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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Authentication Questions

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'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information

Beneficiaries Information

Beneficiaries percent share information page

Other Products

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