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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.

Select your eligibility

I live, work, worship, or attend school in

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I am related to BMI Federal Credit Union member

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Required Products

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

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: 0.20%

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.

APY: 5.00%

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: 0.40% 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: 0.40% Min Deposit: $500.00

6 Month Share Certificate

APY: 0.60% Min Deposit: $500.00

12 Month Share Certificate

APY: 1.20% Min Deposit: $500.00

18 Month Share Certificate

APY: 1.30% Min Deposit: $500.00

24 Month Share Certificate

APY: 1.40% Min Deposit: $500.00

30 Month Share Certificate

APY: 1.45% Min Deposit: $500.00

36 Month Share Certificate

APY: 1.50% Min Deposit: $500.00

42 Month Share Certificate

APY: 1.55% Min Deposit: $500.00

48 Month Share Certificate

APY: 1.55% Min Deposit: $500.00

54 Month Share Certificate

APY: 1.60% Min Deposit: $500.00

60 Month Share Certificate

APY: 1.60% Min Deposit: $500.00

24 Month Bump Certificate

APY: 1.30% Min Deposit: $500.00

36 Month Bump Certificate

APY: 1.40% Min Deposit: $500.00

12 Month Youth Certificate

APY: 1.56% Min Deposit: $200.00

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: 0.60% Min Deposit: $0.00 Max Deposit: $24,999.99

Platinum Plus Money Market

Max APY: 0.70% Min Deposit: $0.00 Max Deposit: $49,999.99

HSA Checking

APY (Annual Percentage Yield)

	Dividend Rate	Minimum Deposit	Term (months)
.	0.00%	$0.00	N/A
.	0.20%	$2,500.00	N/A
.	0.30%	$10,000.00	N/A
.	0.40%	$25,000.00	N/A

	Dividend Rate	Minimum Deposit	Term (months)
.	0.00%	$0.00	N/A
.	0.35%	$2,500.00	N/A
.	0.45%	$10,000.00	N/A
.	0.60%	$25,000.00	N/A

	Dividend Rate	Minimum Deposit	Term (months)
.	0.00%	$0.00	N/A
.	0.70%	$50,000.00	N/A

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Description

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Add Account Save Account OK

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Specify the amount to deposit

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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

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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

Add a beneficiary

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

Total

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%.

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.

Continue without Co-Applicant Continue with Co-Applicant Or Go Back

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

Continue Or Go Back

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

Review and Submit

Branch Selection

Product Selections

Product Additional Features

Applicant Information

Beneficiary Information

Contact Information

Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Address

Joint Applicant Employment Information

Funding Source

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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.

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, 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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Fund via Internal Transfer

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Transfer from another finacial institution

Co-Driver's License Scan

Driver's License Scan

Document Upload Source Selector

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New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another finacial institution

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information

Document Upload Source Selector

Document Upload Source Selector

Review and Submit

Authentication Questions

Application Completed