BIRMINGHAM
576 E. Lincoln Ave.
Birmingham, MI 48009
Phone: 248-647-5958
Fax: 248-647-9239
HOURS:
Mon-Thurs 9am - 5pm
Friday 9am - 6pm
WATERFORD
6375 Highland
Waterford, MI 48327
Phone: 248-683-2920
Fax: 248-461-6390
HOURS:
Mon-Thurs 9am - 5pm
Friday 9am - 6pm
Membership at BBCU
You are eligible to join if you live, work, worship, or attend school in Oakland County, Michigan.
(Or you can be qualified for membership through a $30 donation to the School Community Partnership, a community advisory group of the Board of Education for Birmingham Public Schools).
You need a current non-expired driver’s license, or State ID with the correct address.
You need a second piece of identification such as a social security card, passport, insurance card or credit card.
Please have your social security card with you.
Please bring a minimum deposit of $5 cash to begin a “share” account, the basic credit union savings account. You must maintain a minimum of $5 in this account to enjoy member benefits.
Visit either the Birmingham Main Office or Waterford Branch, and have the above documents with you in order to complete the membership process.
Contact BBCU
Main Office:
576 E. Lincoln Birmingham, MI 48009
248-647-5958
Fax: (248) 647-9239
Branch Office:
6375 Highland Rd Waterford, MI 48327
248-683-2920
Fax: (248) 461-6390
CU*Talk Toll Free (Phone Banking):
855-286-5885
ATM/Debit Lost/Stolen:
888-241-2440
ATM/Debit Lost/Stolen Outside US:
909-941-1398
VISA Lost/Stolen/Fraud:
800-369-4887
Loans
As a credit union, we strive to live up to the reputation of offering the lowest rates. Let us help you find the best loan for your needs.
Fee Schedule
| DESCRIPTION | AMOUNT |
|---|---|
| Checking Account Fees | |
| Check Order | Varies |
| (Free Spirit Members - 1 free box per year) | |
| Starter Checks per page (12 Checks free) | $3.00 |
| Discretionary Pay Overdraft (each item) | $30.00 |
| Returned Draft/ACH - NSF (each item) | $30.00 |
| Stop Payment Draft/ACH (per request)* | $30.00 |
| Copy of Check (per check)* | $3.00 |
| Monthly Account Maintenance* | $1.50 |
| Overdraft Transfer From Savings or Line of Credit (per item)* | $5.00 |
| Monthly Business Account Maintenance | $7.50 |
| Monthly New Beginnings Account Maintenance | $10.00 |
| ATM/Debit Card Fees | |
| Card Replacement Request* | $10.00 |
| PIN Reorder Request | $3.00 |
| Balance Inquiry (each) | $2.00 |
| Withdrawals (5 free per month) | $2.00 |
| Debit/ATM Card Rush Order | $50.00 |
| Pull/Re-address | $5.00 |
| Overdraft (each item) | $30.00 |
| Visa Credit Card Fees | |
| Statement Copy | $2.00 |
| Duplicate Card Request* | $10.00 |
| Late Charge (per month) | $25.00 |
| Card Capture | $65.00 |
| Credit Card Replacement Rush | $50.00 |
| Loan Fees | |
| Consumer Loan Late Charge (per month) | $25.00 |
| Home Equity Loan Late Charge (per month) | 5% Pmt Due |
| Lien Verification | $10.00 |
| Loan Modification | $25.00 |
| Loan Subordination | $100.00 |
| Assumption | $100.00 |
| Business Loan Fees | |
| Business Loan Application | $300.00 |
| Business Loan Origination | 1% |
| Business Loan Document | Pass Thru |
| Individual Retirement Account (IRA) Fees | |
| Annual Account Maintenance (per account) | N/C |
| Account Closing | $25.00 |
| Wire Transfer Fees | |
| Domestic Outgoing (each) | $20.00 |
| Foreign Outgoing (each) | $30.00 |
| Incoming Wire | N/C |
| Legal Fees | |
| Levies, Writs & Garnishment (each) | $50.00 |
| Miscellaneous Service Fees | |
| Online Bill Pay (per month)* $0.50 for each bill paid after the first 10 | $5.00 |
| Inactive Online Bill Pay (per month) | $3.00 |
| Mobile Text Banking (per text) | $0.05 |
| Phone Transfer (per transfer)* (No fee charged if CU*Talk or online banking is utilized) | $3.00 |
| Cashier's Check (each)* (Free Spirit Members - 1 free check per month) | $3.00 |
| Money Order (each)* (Free Spirit Members - $0.50) | $1.25 |
| Traveler's Card (each) | $4.95 |
| Gift Card (each) | $4.95 |
| Reload Fee | $2.95 |
| Check Cashing Fee* (Less than $200 in account, over 18, no other services) | $5.00 |
| Statement Copy / Activity Printout (per page)* | $1.00 |
| Foreign Item Deposit (each, plus Bank Fees) | $5.00 |
| Deposited Item Returned Unpaid (each) | $15.00 |
| To me/from me or "Cash" Check Return Item | $30.00 |
| External ATM/Shared Branch Returned Item | $15.00 |
| External ATM/Shared Branch Adjustment | Pass Thru |
| Account Balancing / Research Fee (per hour / $10.00 minimum) | $20.00 |
| Dormant Account (per month) | $5.00 |
| Account Closing Fee within one year | $25.00 |
| Escheatment of Funds | $50.00 |
| Returned Mail / Bad Address (per month) | $5.00 |
| Non-Member Check Cashing Fee (each item) | $5.00 |
| Share Account Maintenance Fee (per month)* | $3.00 |
| Verification of Deposit | $5.00 |
| Safe Deposit Boxes (Waterford branch only) | |
| Size | Annual Lease Fee |
| 3 x 5 | $20.00 |
| 3 x 10 | $40.00 |
| 5 x 10 | $50.00 |
| 10 x 10 | $80.00 |
| Additional Fees (if applicable) | |
| Drill Fee (if applicable) | $200.00 |
| Key Replacement (if applicable) | $50.00 |
| Late Rental Fee | $25.00 |
Creating relationships that are beneficial for member-owners is the focus of BBCU. Many fees may not be applicable to you.
*May be waived based on Gividends tiered service level.