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Virtual Branch
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Checking Accounts No matter what your lifestyle, First Missouri Credit Union has the perfect low-cost checking account for you. Choose from our easy and economical E-Account, our dividend-earning Interest Checking, or our Value Checking programs. Each of our checking accounts features the convenience, security, cost-savings and friendly service you’ve come to expect from First Missouri Credit Union. E-Account If you’re looking for the very best combination of value and accessibility, look no further than the E-Account. The E-Account features no minimum balance, unlimited check clearing, and the convenience and savings of free PayIT Online Bill Pay. Interest Checking If you normally carry a higher balance and are interested in earning dividends, our Interest Checking is perfect for you. Plus, you will enjoy the added benefit of free PayIT Online Bill Pay when you maintain a qualifying minimum deposit and/or loan balance. Value Checking For a value that can’t be beat, look to our Value Checking. Value Checking costs just $2 per month and gives you two free boxes of checks per year and free Traveler’s Cheques. You can even enjoy PayIT Online Bill Pay for a low monthly fee of $4.95. No matter which checking account you choose, you can enjoy the added benefits of:
Courtesy Pay is an overdraft protection service that can help you avoid the embarrassment of accidentally bouncing a check – and the costly NSF charges that come with it. Courtesy Pay is convenient, safe and automatic. Stop by or give us a call for more information. Direct Deposit and Payroll Deduction With Direct Deposit, your paycheck, Social Security or other government check is automatically deposited in the credit union account(s) of your choice. There is no need to make special trips to the credit union each month to make your deposits. And you never have to worry about lost or stolen checks! Payroll Deduction lets you automatically make deposits to your checking and savings account, Christmas Club, IRA, and other family member accounts. You may also make monthly loan payments with Payroll Deduction. Both Direct Deposit and Payroll Deduction are free for FMCU members.
Time to order more checks? Do it the easy, convenient way…just click on the link below! Our Visa debit card offers the convenience of a debit card yet requires just your signature when making a purchase. There is no need to memorize an additional Personal Identification Number (PIN)! You can also make purchases from any merchant who accepts VISA. Your card is swiped like a credit card, but your purchases are deducted right from your First Missouri Credit Union checking account. You can use your debit card worldwide at millions of retail merchants displaying the VISA logo. Get cash 24 hours a day, seven days a week at any automated teller machine (ATM) operated by First Missouri Credit Union, as well as thousands of CO-OP Network ATMs the world over. There is no charge for using your ATM Card at a First Missouri Credit Union-owned ATM. The first five transactions per month at non-First Missouri Credit Union ATMs are fee free.
Handle all your credit union business quickly and easily from the convenience of your home or office with our secure Virtual Branch 24/7 Internet account access. BankIT Online Banking It’s a safe, secure and convenient way to access your account anytime, day or night. With BankIT Online Banking you can:
PayIT Online Bill Pay You can pay your bills quickly and conveniently with our PayIT Online Bill Pay. It’s safe, secure, and a great time saver! And, it’s free with our E-Account. 24-Hour Member Service Hotline Enjoy 24-hour access to your accounts with the 24-Hour Member Service Hotline – (314) 579-0070, Credit Union ID number “72#”. Get up-to-date information on balances, verify check clearings, make loan payments, transfer funds between your FMCU accounts and more. All you need to access the system is a touch-tone phone, your credit union account number, and a confidential Personal Identification Number (PIN). First Missouri Credit Union has joined together with other area credit unions and created Shared Service Center locations around the state. Shared Service Centers allow a participating credit union member to conduct most of their business as if it were their own credit union branch. By sharing facilities, credit unions can offer greater convenience for members to access their accounts in many more locations. At Shared Branches you can:
Find complete address, hours and phone numbers for all the Credit Union Shared Branches. The credit union also offers the following services for your convenience:
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