Everyone’s different, so why shouldn’t your checking account be just as different as you? We have a plan to fit needs and idiosyncrasies of all types, & our Savings Assist Program to help you save some cash in the process.

Find what works for you!

STUDENT CHECKING


Focus FCU is now offering Student Checking accounts to those seeking & continuing their educations. Live AND learn.
For ages 13 to 21 No minimum balance required No monthly fee Savings Assist available Financial Literacy training Scholarship drawing ($500 in spring & fall) with proof of at least a 2.5 GPA
Additional interest rate discount of .25% for first auto loan One-time match up to $25 towards favorite charity or social cause Free debit card Free Online Banking, Mobile Banking, & E-statements Unlimited transactions

FOCUS
CHECKING


Use your Visa check card & earn rewards. Go paperless – save the planet!
Free online bill pay
Free online banking
Free mobile banking
No monthly service fee
Unlimited transactions
Remote Deposit
No checks to manage
E-Statements
Access to more than 16,000 totally free ATMs
Visa check card
$25 minimum deposit to open
Earn $.05 for non-PIN based purchases under $10, and $.10 for non-PIN based purchases $10 and greater*

INTEREST
CHECKING*


A simple way to earn interest.
Free online bill pay
Free online banking
Earns interest
Free mobile banking
Remote Deposit
E-statements
No monthly service fees
Unlimited transactions
$25 minimum deposit to open
Access to more than 16,000 totally free ATMs
Visa check card

ALTERNATIVE
CHECKING


Everyday Spend Card – Loadable Visa Card for your everyday purchases.
Accepted anywhere VISA is accepted
Your name is imprinted on the card
Not linked to your checking account or savings account
Reloadable online, by direct deposit, account to card, Visa Ready Link or at a branch location
Mobile app access with CUMONEY App
Signature or PIN based purchases or ATM access*
Cash advance option*
Can rent a car, buy airline tickets, purchase gas at the pump or reserve hotel rooms*
Minimum load of $10/per day*
Max load $5000/per day*
DISCLAIMER

*Qualifications for Reward:

• $400 Direct Deposit required for rewards
• Itemized online E-Statements required
• FFCU Visa Check Card
• Must make at least 10 non-pin based purchases per month to qualify for rewards
DISCLAIMER

*Interest is paid monthly.

DISCLAIMER
• Signature purchases up to 25 transactions per day with a $5000 daily limit
• PIN purchases up to 25 transactions per day with a $1500 daily limit
• Cash advance limit 2 per day with a $1000 daily limit
• ATM limit 10 per day with a $310 daily limit
• $0.50 per reload
• Service fee $1.75/month
• $3 inactivity fee after 3 consecutive months of non-usage
• 10 day hold on all check deposits
• $75/preauthorization at pump
• 20% preauthorization for gratuity
• 15% – 5 business day hold for car rental, hotel, cruise ship
• 7-10 days to receive card in mail

FRESH START
CHECKING


Get a second chance at checking.
Free online banking
Free mobile banking
Remote Deposit
E-statements
Free bill pay
Visa check card
$50 minimum deposit to open
$9.99 monthly service charge
Financial counseling
LEARN MORE

Hey, we all make mistakes; that’s why we’ve created Fresh Start Checking. Perhaps you’ve had a difficult time and ran into some problems with your finances. Fresh Start is an affordable option that provides you with the tools to help manage your account wisely and build a history of responsible money management.

After 6 consecutive months of no NSF fees and upon your request, we will convert your account to a TFFCU checking account of your choice.

MONEY
MARKET*


Make your money work for you.
Free online banking
Free online bill pay
Remote Deposit
E-statements
6 withdrawals or transfers per month
Tiered interest rates
Unlimited deposits
$2,500 minimum average daily balance
Personalized checks
LEARN MORE

The more you save, the more you earn with a Focus FCU Money Market Account. You can access your account six times per month via check, online Banking, or Electronic Funds Transfers (EFT).

DISCLAIMER

*Interest is paid monthly.

%257%

FOCUS
CHECKING


Use your Visa check card & earn rewards. Go paperless – save the planet!
Free online bill pay
Free online banking
Free mobile banking
No monthly service fee
Remote Deposit
Unlimited transactions
No checks to manage
E-Statements
Access to more than 16,000 totally free ATMs
Visa check card
$25 minimum deposit to open
Earn $.05 for non-PIN based purchases under $10, and $.10 for non-PIN based purchases $10 and greater*
DISCLAIMER

*Qualifications for Reward:

• $400 Direct Deposit required for rewards
• Itemized online E-Statements required
• FFCU Visa Check Card
• Must make at least 10 non-pin based purchases per month to qualify for rewards
%283%

INTEREST
CHECKING*


A simple way to earn interest.
Free online bill pay
Free online banking
Earns interest
Free mobile banking
Remote Deposit
E-statements
No monthly service fees
Unlimited transactions
$25 minimum deposit to open
Access to more than 16,000 totally free ATMs
Visa check card
TAP FOR DISCLAIMER

*Interest is paid monthly.

%279%

FRESH START
CHECKING


A simple way to earn interest.
Free online banking
Free mobile banking
Remote Deposit
E-statements
Free bill pay
Visa check card
$50 minimum deposit to open
$9.99 monthly service charge is applied
Financial counseling
LEARN MORE

Hey, we all make mistakes; that’s why we’ve created Fresh Start Checking. Perhaps you’ve had a difficult time and ran into some problems with your finances. Fresh Start is an affordable option that provides you with the tools to help manage your account wisely and build a history of responsible money management.

After 6 consecutive months of no NSF fees and upon your request, we will convert your account to a TFFCU checking account of your choice.

%281%

MONEY
MARKET*


Make your money work for you.
Free online banking
Free online bill pay
Remote Deposit
E-statements
6 withdrawals or transfers per month
Tiered dividend rates
Unlimited deposits
$2,500 minimum average daily balance
Personalized checks
LEARN MORE

The more you save, the more you earn with a Focus FCU Money Market Account. You can access your account six times per month via check, online Banking, or Electronic Funds Transfers (EFT).

TAP FOR DISCLAIMER

*Interest is paid monthly.

ALTERNATIVE
CHECKING


Everyday Spend Card – Loadable Visa Card for your everyday purchases.
Accepted anywhere VISA is accepted
Your name is imprinted on the card
Not linked to your checking account or savings account
Reloadable online, by direct deposit, account to card, Visa Ready Link or at a branch location
Mobile app access with CUMONEY App
Signature or PIN based purchases or ATM access*
Cash advance option*
Can rent a car, buy airline tickets, purchase gas at the pump or reserve hotel rooms*
Minimum load of $10/per day*
Max load $5000/per day*
DISCLAIMER
• Signature purchases up to 25 transactions per day with a $5000 daily limit
• PIN purchases up to 25 transactions per day with a $1500 daily limit
• Cash advance limit 2 per day with a $1000 daily limit
• ATM limit 10 per day with a $310 daily limit
• $0.50 per reload
• Service fee $1.75/month
• $3 inactivity fee after 3 consecutive months of non-usage
• 10 day hold on all check deposits
• $75/preauthorization at pump
• 20% preauthorization for gratuity
• 15% – 5 business day hold for car rental, hotel, cruise ship
• 7-10 days to receive card in mail

SAVINGS ASSIST PROGRAM

SAVINGS ASSIST PROGRAM

Saving just got easier with our Savings Assist Program. Savings Assist is the modern day version of the change jar. The program is simple. Every time you use your Visa Check Card, we’ll round up each purchase by any amount you designate from $.25 to $2.00 more than your purchase. At the end of the day, we’ll transfer the difference into your Focus FCU savings account.

Savings Assist is a great way to save for a vacation, rainy day, home improvements or for your children and grandchildren. To add the Savings Assist feature to your Focus FCU debit card, stop by any Focus FCU branch or contact a Financial Services Representative at

405.230.1328

DESIGNATE

Choose an amount between $.25 & $2.00 to add to each transaction. We’ll say $.25 in this example.

SPEND

Do some shopping; get gas; pay a bill; eat out! Now we have 3 transactions on our VISA check card.

SAVE

You’ve just saved $.75. Small potatoes? Believe us, it adds up!

Get started with Focus today and enjoy the benefits of membership!

Get started with Focus today and enjoy the benefits of membership!