Eligibility

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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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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: 0.15%

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: 2.00%

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 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 Max Deposit: $24,999.99

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: 0.05% Min Deposit: $500.00

6 Month Share Certificate

APY: 0.05% Min Deposit: $500.00

12 Month Share Certificate

APY: 0.10% Min Deposit: $500.00

18 Month Share Certificate

APY: 0.15% Min Deposit: $500.00

24 Month Share Certificate

APY: 0.25% Min Deposit: $500.00

30 Month Share Certificate

APY: 0.25% Min Deposit: $500.00

36 Month Share Certificate

APY: 0.35% Min Deposit: $500.00

42 Month Share Certificate

APY: 0.45% Min Deposit: $500.00

48 Month Share Certificate

APY: 0.50% Min Deposit: $500.00

54 Month Share Certificate

APY: 0.55% Min Deposit: $500.00

60 Month Share Certificate

APY: 0.75% Min Deposit: $500.00

24 Month Bump Certificate

APY: 0.20% Min Deposit: $500.00

36 Month Bump Certificate

APY: 0.30% Min Deposit: $500.00

12 Month Youth Certificate

APY: 0.75% 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: 0.15% Min Deposit: $0.00 Max Deposit: $24,999.99

Platinum Plus Money Market

Max APY: 0.20% Min Deposit: $0.00 Max Deposit: $49,999.99

HSA Checking

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
.	0.10%	0.10%	$2,500.00	N/A
.	0.15%	0.15%	$10,000.00	N/A
.	0.15%	0.15%	$25,000.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	N/A
.	0.20%	0.20%	$50,000.00	N/A

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Funding

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Total Deposit

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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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Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.

'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

Personal Information

Click or tap here to pre-fill information with your driver's license

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:

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

Personal Information

Click or tap here to pre-fill information with your driver's license

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)

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.

Continue Or Go Back

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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Fund via Internal Transfer

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Transfer from another finacial institution

Co-Driver's License Scan

Driver's License Scan

New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another finacial institution

'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