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Our Draft Accounts have features that will BENEFIT YOU throughout the year!
- FREE 150 Checks
- FREE online Bill Payer
- FREE online account access with PC Home Banking
- FREE telephone account access with Audio Response
- FREE e-statements
- FREE account alerts
- No-charge Overdraft Protection
- No monthly service or teller transaction fee
- No monthly minimum balance required
- No check clearing charges
- Access to over 43,000 Surcharge-Free ATMs
- Branch access at 4,417 CU Service Centers
- Direct Deposit
- VISA Debit Cards
Open your Draft (checking) Account today; call (716) 847-6960 for more information.
Visa Debit Cards
The convenient & secure way to pay for all your purchases.
A Visa Debit card works like a check, only better. When you make purchases, the amount is deducted directly from your checking account — but you also enjoy added convenience and security.
Pay for purchases quickly and easily.
Use your Visa Debit card when you are ready to pay. It works fast, so there's no need to write checks or fumble for change. Plus, you'll save on trips to the ATM and can leave your checkbook at home.
It's Everywhere You Want To Be®.
Because it's accepted at millions of places worldwide, you can use it for nearly anything, including:
Monthly bills Dining/fast food Gas & automatic services
Groceries Retail merchandise Internet/online purchases
Swipe and Sign.
When using your Visa Debit card, tell the cashier credit; you will not have to provide your PIN. Some merchants will have you sign the receipt and others may not depending on the total amount of the purchase. Debit card transactions are automatically deducted from your checking account.
Access your money at a register.
With cash back they’ll add the amount of money you want to the purchase. Stores that allow cash back include Wegmans, Tops, Rite Aid & Aldies. For other stores, simply ask the cashier if the store allows cash back.
Access your money at an ATM.
Just like an ATM Card, your Debit Card will have a four digit PIN! As a Buffalo Metropolitan Federal Credit Union member, you have access to 43,000 ATMs! Find an Allpoint ATM near you.
A Debit card fee of $2.00 per month will be assessed to your savings account on the last business day of the month.
Improve money management with an up-to-date balance & transaction history.
Check your balance and transaction record online with
FREE PC Home Banking or
by phone with
FREE Audio Response.
Security protections that help prevent, detect and resolve fraud, including:
- Visa's Zero Liability Policy*, which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to you.
- Continuous fraud monitoring to detect and prevent suspicious activity on your debit card.
- A 3-digit security code to verify your identity for online and phone purchases.
You receive these security protections when you use your Visa Debit card for online, phone and mail orders or for purchases at merchants that do not require a signature.
*Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. For specific restrictions, limitations and other details, please consult Buffalo Metropolitan FCU.
Earn rewards just by using your card.
Reward yourself by shopping and saving with
merchant discounts just for Visa cardholders.
Get your Visa Debit Card today!
If you have any questions, please feel free to contact the Buffalo Metropolitan Federal Credit Union at 716-847-6960.
Online Gambling
Please be advised that you may not use any Buffalo Metropolitan Federal Credit Union card to initiate any type of electronic gambling transaction through the Internet.
Lost or Stolen ATM, Debit, or Visa Credit Cards
For lost or stolen ATM/Debit Cards, please call 1-800-528-2273. For lost or stolen Visa Credit Cards, please call 1-800-325-3678. You must also notify the Buffalo Metropolitan Federal Credit Union at (716) 847-6960 immediately!
Visa Gift Card
Our Gift Cards are similar to gift certificates, but with more flexibility. Gift giving has never been easier, and they'll love the freedom of shopping wherever Visa is accepted. Get your Visa Gift Card today!
With the Visa Gift Card there is a minimum of $10.00 and a maximum of $500.00. There is a $2.00 activation fee per gift card. If there is still a balance on the Gift Card one year from the date of purchase, Visa will charge a $3.00 fee each month until the card is at a zero balance. The Buffalo Metropolitan Federal Credit Union is not responsible for lost or stolen Visa Gift Cards.
SHARE ACCOUNTS (SAVINGS)
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Minimum balance $25 |
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Earn .25% (APY .25%) dividends |
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Dividends are paid quarterly on accounts with an average daily balance of $1,000.00 or more. |
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Rate as of 9/27/12 |
SHARE CERTIFICATES
Minimum deposit of $500.00
Annual Percentage Yield effective 6/28/12
Dividends:
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Three Month |
.30% |
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APY .30% |
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Six Month |
.30% |
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APY .30% |
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Twelve Month (One Year) |
.35% |
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APY .35% |
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Eighteen Month |
.38% |
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APY .38% |
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Twenty-Four Month (Two Year) |
.50% |
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APY .50% |
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Thirty-Six Month (Three Year) |
.65% |
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APY .64% |
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Forty-Eight Month (Four Year) |
.90% |
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APY .89% |
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Sixty Month (Five Year) |
1.00% |
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APY .98% |
If you received a 1099 OID or 1099 INT interest tax statement, please be advised that some 1099 OID and some 1099 INT interest tax statements were printed with incorrect information by our data processor. A corrected copy is being mailed to you as well as the IRS. If you would like to speak to someone, you can speak to Jeanne at 716.847.6960 ext. 232 or Sarah at 716.847.6960 ext. 253.
Money Market Accounts (MMAs)
With our MMAs, you earn more than with a Share (savings) Account and the number of transactions per month are unlimited. The MMAs require a minimum opening deposit of $2,500.00. There is no set term.
Dividends:
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$2,500-$9,999.99 |
.30% |
APY .30% |
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$10,000-$24,999.99 |
.50% |
APY .50% |
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$25,000-$999,999.99 |
.65% |
APY .65% |
Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more.
Rate as of 9/27/12.
You can access your account with PC Home Banking (online access) or with Audio Response (telephone access).
*APY=Annual Percentage Yield
"APY" or "Annual Percentage Yield" means a percentage rate reflecting the total amount of dividends expected to be earned in a year on an account, based on the dividend rate and the frequency of compounding accrued dividends.
For Share, Safari Youth, Teen Cents, Money Market, Organizational, Individual Retirement, and Health Savings Accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors.
Fees can reduce the earnings on the account; refer to the Rate Schedule set forth in the Credit Union's
Membership Booklet.
If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.
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