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Accel Financial Services

Accel Financial Services

Your Path to a Bright Financial Future Begins Here…

Did you know you have free access to Accel’s financial experts to guide you through life’s financial challenges?

Accel is a non-profit company that equips people with knowledge and tools to lead financially healthy lives. They can partner with you to ease financial stress, manage debt, save for the future, make informed financial decisions, and achieve your financial goals.

Accel offers personalized assistance with:

  • Budgeting and money management
  • Debt repayment
  • Understanding your credit report and how to improve your score
  • Avoiding bankruptcy, foreclosure and repossession

Call 877-332-2235 to speak with a financial expert or learn more at www.accelservices.org.

Bill Pay

Bill Pay

Paying bills doesn’t have to be time consuming. We offer Online Bill Pay to make the entire process easier and faster. It’s the most flexible way to receive, pay and organize your bills online when it’s most convenient for you. Pay any bill, including your house payment, your credit card company, even your babysitter at anytime from anywhere. Log into It’sMe24/7 click Pay & Transfer and then “Go to Bill Pay” The rest is easy! Set-by-step point and click instructions will guide you through enrollment and set up.

CU Talk Telephone Teller

CU Talk Telephone Teller

Access your account 24 hours a day, 7 days a week from any touch tone telephone in the Continental U.S. Make transfers, loan payments, get account balances, track your checks, and much more. Perform almost any transaction on your account. Call 855-286-5885 and follow the menu options.

DOWNLOAD BROCHURE

Check Reordering

Check Reordering

Harland Clarke 1-800-858-3355 provides check order services to our members. Login using BBCU’s routing number 272477199 and your account number. NOTE: If your name or address has changed since your previous check order, please contact us at 248-647-5958.

Debit Card Roundup

Debit Card Roundup

When you make a purchase with your debit card, the transaction is automatically rounded up to the nearest dollar, and the increased amount is then transferred to the savings or checking account, whichever you prefer.

For example, you buy groceries for a total of $49.73, we’ll debit your account a total of $50.00 and then automatically transfer the 27 cents into your savings account.

Transactions are rounded up to the nearest dollar at the end of each day.

Your current debit card is already compatible. It makes balancing your account more convenient, and reaching your savings goals easier. You’ll be surprised how quickly your change adds up.

To enroll simply stop by either location in Birmingham or Waterford or call 248-647-5958 or 248-683-2920 to speak with a member service representative who can quickly enroll you in the program.

Direct Deposit

Direct Deposit

Save yourself the time, hassle of depositing your paycheck yourself. Let your company’s payroll department know you would like to have your paycheck automatically deposited into your Birmingham Bloomfield Credit Union account. You need to provide them with your account number, the BBCU routing number (#272477199) and specify which account (checking or savings) you would like the money deposited. Experience the peace of mind knowing your money is automatically deposited safely and quickly into your account each and every payday.

Discretionary Pay

Discretionary Pay

Birmingham Bloomfield Credit Union can at your discretion pay items attempting to clear your checking account when other sources of overdraft options have been depleted. Please note this is NOT a line of credit. Members have the option of opting out of this program at any time by notifying BBCU in writing. Once a member has “opted out”, there is a 60-day wait to request reinstatement. Please review our Discretionary Pay Policy and FDIC’s brochure.

eAlerts

eAlerts

When you enroll for Mobile Text Banking, you can also set up your eAlert subscriptions to be sent as text messages directly to your mobile phone(s). Members can get eAlerts when their account balance is higher or lower than a set amount, if a loan payment is coming due, or when ACH deposits or withdrawals are posted.

eStatements

eStatements

Receive your monthly statement directly to your inbox. You can securely view your statement online, and reduce the amount of paper clutter in your home.

Mobile Banking

Mobile Banking

Mobile Text Banking

Mobile Text Banking allows you to send a text message command to receive text message replies regarding the balance of your savings, checking, certificates, loans, and credit card accounts.

Mobile Web Banking

You can log into It’sMe24/7 Online Banking from your mobile phone and you can securely access your account. View your account balances, and details for savings, checking, certificates, loans and credit cards. You can view the following information: funds on hold for savings and checking, pending authorization for credit cards, pending ACH transactions, transfer funds between accounts etc.

Money Orders

Money Orders

A money order is a prepaid payment that can be used to pay or send money to people as a safe alternative to cash or checks. As a member, you may get a money order up to $1,000 maximum.

Notary Service

Notary Service

We provide free notary services for BBCU members at both the Birmingham and Waterford offices. Proof of identity must be provided.

Online Banking (It'sMe24/7)

Online Banking

Allows you 24/7 access to your account. You can check your balance, pay bills, transfer funds, view transactions, make loan payments, download transaction information to your money management software etc. Login Here

Safe Deposit Boxes

Safe Deposit Boxes

Protect your valuables and important documents in a safe deposit box at Birmingham Bloomfield Credit Union. We offer four different Safe Deposit Box sizes*:

  • 3"x5" - $20 annually
  • 3"x10" - $40 annually
  • 5"x10" - $50 annually
  • 10"x10" - $80 annually

Note: Safe Deposit Boxes are only available at the Waterford branch.

* Not all box sizes may be available at all times.

Shared Branching Services

Shared Branching Services

BBCU members have account access at over 4,500 Credit Union Family Service Centers & other credit union branch locations throughout the US. Find Shared Branches near you with the CU Service Center branch locator.

BBCU is excited to announce its participation in the Xtend Shared Branching service. By teaming with Xtend, BBCU offers you service at over 75 credit unions with over 150 locations throughout Michigan and Northern Indiana, all with the same high level of service you have come to expect. Find Xtend Shared Branches near you with the Xtend shared branch locator.

Skip A Payment

Skip A Payment

BBCU offers a payment postponement program known as Skip A Payment a total of 4 months throughout the year (December/January and July/August). This program allows you to defer your loan payment. You are allowed to skip up to two loan payments per calendar year. Rules and fees do apply.

VISA Cards

VISA Cards

VISA Travel Cards

Keep your money safe and secure while you travel with the TravelMoney Visa Card. Accepted at over 20 Million Visa locations worldwide. They are prepaid and reloadable. The funds are refundable if lost or stolen. TravelMoney Visa Cards can be purchased for a nominal fee.

VISA Gift Cards

These cards are great for holidays and gifts. They are refundable if lost or stolen and accepted at millions of places worldwide that welcome VISA. Visa Gift Cards can be purchased for a nominal fee.

Wire Transfers

Outgoing Wires

In order to wire funds out of BBCU you must contact the receiving institution for proper wiring instructions. (The ABA on the bottom of the member’s checks are not always the same)

The following information is required:

  • Name of receiving financial institution along with city, state, and ABA routing number
  • Name of the account at receiving financial institution
  • Account number at receiving financial institution to where monies are to be deposited.

Wire requests must be received by 4:00 p.m. to be processed that day. International wire requests must be received by 1:00 p.m. to be processed the same day.

Incoming Wires

To wire funds in to your BBCU account, you will need to contact the sending financial institution and provide them with the following information:

Alloya Corporate Federal Credit Union, Warrenville, IL 60555

ABA routing number – 271987635

Credit to the account of Birmingham Bloomfield CU Account #272477199

Credit the name on the account and account # at BBCU. (for depositing purposes)

FEES: In-coming wires: None

Out-going wires: See current Fee Schedule