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Last Updated: 01/21/2026

BMI Federal CU Checking Account

from BMI Federal Credit Union

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users recommend

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Highlights

Welcome Offer

Up to $300(Verified 02/14/2025)

Rewards

N/A

APY (Annual Percentage Yield)

0.2% - 0.4%(Verified 02/14/2025)

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Monthly Maintenance Fee

$0 - $10(Verified 01/21/2026)

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BMI Federal CU Checking Account Review

The BMI Federal CU Checking Account is offered by BMI Federal Credit Union, a credit union founded in 1936 and based in Dublin, OH. BMI Federal Credit Union checking is available in 1 state.

Key Takeaways

Higher than average APY. BMI Federal CU Checking Account has an annual percentage yield of up to 0.4%, which is higher than the national average interest rate on savings accounts.
Charges a monthly fee. This account charges a monthly fee of up to $10.
Small minimum initial deposit. You only need $20 to open an account.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in BMI Federal Credit Union mobile or online banking.

BMI Federal Credit Union checking Pros & Cons

Pros

Cons

Dividend-yielding account.
Insured by NCUA.
Debit card
Access to a nationwide network of ATMs.
No charge on incoming domestic or international wire transfers.

Only available in one state.
Charges a fee on out-of-network ATM transactions.

BMI Federal Credit Union checking FAQ

Are checking accounts from BMI Federal Credit Union federally insured?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does BMI Federal Credit Union checking offer?

BMI Federal Credit Union checking offers an APY starting at 0.2% and ranging up to 0.4% (APY stands for annual percentage yield, rates may change).

BMI Federal Credit Union checking Rates and Terms

Rates

Amount

APY (Annual Percentage Yield)

0.2% - 0.4%

What are the account minimums for BMI Federal Credit Union checking?

BMI Federal Credit Union checking requires a minimum initial deposit of $20.

BMI Federal CU Checking Account Minimums

Description

Minimum Opening Deposit

$20

What fees does BMI Federal Credit Union checking charge?

This account charges a monthly maintenance fee each statement cycle of up to $10.

BMI Federal CU Checking Account Fees

Description

Monthly Maintenance Fee

$0 - $10

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2

NSF Fee

$29

Overdraft Item Fee

Starting at $29

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $29

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 1%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $15

Wire Transfer Fee - International (Outgoing)

Starting at $40

Wire Transfer Fee - International (Incoming)

Starting at $0

Returned Deposit Fee (International)

Starting at $29

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

Does BMI Federal Credit Union checking charge overdraft fees?

Yes, BMI Federal Credit Union checking charges a $29 fee for every overdraft.

What features and perks does BMI Federal Credit Union checking offer?

This account includes the following features:

$300 Bonus offer. Open a new account and you can get up to $300 (see terms and conditions for more details).
Fraud monitoring - BMI Federal Credit Union checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - BMI Federal Credit Union checking allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for BMI Federal Credit Union checking?

The customer support email for BMI Federal Credit Union checking is info@bmifcu.org.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from BMI Federal Credit Union checking

With a variety of Checking Accounts to suit all your banking needs, you will experience unmatched quality and convenience. You can enjoy your new account and debit card the moment you leave one of our credit union branches. Our Platinum Checking is ideal for members who carry larger checking balances. In addition to the great benefits of a standard Checking Account, Platinum Checking pays a competitive tiered monthly dividend.

Contact

Headquarters

6165 Emerald Pkwy

Dublin, OH 43016

(614) 707-4000

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 1:00PM

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SuperMoney Net Recommendation Score

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BMI Federal CU Checking Account Community Reviews

Would you recommend BMI Federal CU Checking Account to your friends?

Newdawn S.

Dec 5, 2023

May or may not recommend

Oh man, the BMI Federal Credit Union Checking Account is about to get you in shape - financially speaking, of course! Here's what makes this account a real heavyweight: Low monthly fees that won't break your budget - say goodbye to the financial flab! Plenty of perks, including free ATM access, online and mobile banking, and direct deposit - a true fitness buff of an account!

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