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Online Services


Consumer Online Banking

FCU's It’s Me 247 online banking service is free to FCU members. You can check balances, see copies of cleared checks, transfer money between accounts, make loan and credit card payments, apply for a loan and open savings accounts. You can also set up eAlerts to warn you when account balances meet a certain threshold and automatic transfers to happen on certain dates for certain amounts. With FCU's online banking service you can do almost everything you can do at one of our branches, except request change for a $20.

Online Bill Payment

If you aren't using FCU's online bill payment service you are missing out on the ultimate time-saving and convenient service. Bill pay allows you to pay who you want, when you want, and for the amount you want to pay them.  You can pay everyone from your paper boy to your national cell phone carrier. No need to buy stamps or worry about forgetting to send your payment out in a timely manner because you can set up payment automatically when you want. FCU's bill pay service is free to members VIP Rewards Silver status or higher. Plus, bill pay keeps a 6-month history of your bills for each reference for tax purposes or other budgeting reasons. Court-ordered payments, state and federal tax payments, and international payments are not allowed to be paid by Bill Pay.  

Business Online Banking

FCU's new business online banking product, Its My Biz 247, has all the functionality of our consumer online banking service, plus more. Business owners can create unique log-ins with different parameters for each employee with access. Also, FCU's business bill pay product, Biz Bill Pay, has much more functionality to meet our business member’s needs. 

Text Banking

Quick and convenient access to account balances on the spot, this service is free and available 24 hours a day and 7 days a week. Sign up unlimited number of phones under the “Go Mobile” option on online banking.

To find a surcharge free ATM you can also text a street address or zip code or "City State" to 692667 (my coop) to find the closest CO-OP ATM locations.

Phone Banking| CU*Talk

Similar to our online banking service, our 24-hour telephone banking service allows you to check balances, transfer money and see what checks have cleared. It’s a great service to keep in touch with your accounts when online or mobile access isn't an option. Members need to set up a four digit pin to use this service. Call 989-497-1600 to set up your pin. Then call 1-844-776-9164 to launch CU*Talk.


CardNav enables you to manage and protect your debit card with ease. You control how, when and where your debit card may be used with CardNav. Go to our CardNav page for more information and a video on what CardNav is all about.

Member to Member Transfers - OR - Person to Person (P2P) Payments

Through Frankenmuth Credit Unions online banking, It's Me 247, members can easily transfer funds to other FCU members accounts. All a member needs to do a member to member transfer of funds to someone else is the account number and suffix for the person you are transfer to and the first three letters of their last name. You enter this information in the transfer funds area of online banking. It's easy, it's secure and you have the option to comment both sides of the transfer how you see fit.

When you don't know the account number for the person you are paying you can also make Person to Person (P2P) payments through It's Me 247 Bill Pay program. To set up a person to person payment select the Pay Anyone button from the Pay & Transfer drop-down menu. There you will enter the information needed. The Question and Answer section includes a space for you to even enter a security question and it's answer. Only the question is sent to the recipient in the text or email. For security reasons, you must let the reciever know the answer seperately.

Mobile Banking

Are you more in to mobile instead of text? Our Frankenmuth Credit Union mobile banking service has much of the functionality of our online banking product but designed to be user friendly to your mobile phone or tablet.

Money Management Software

Our online or mobile MoneyDesktop money management software makes it easy to improve your financial future. When in online banking click on MoneyDesktop to show where spending has occurred, create realistic budgets, create a plan to get out of debt faster and incorporate all of your accounts (even those not with FCU) all in one place. The best part, this service is free to all FCU members. Don’t delay and get on the road to financial success today with MoneyDesktop.

Remote Deposit Services

eDeposit is our remote deposit service which allows you to deposit a check just by using your mobile phone, tablet or desktop. Simply take a picture of your check and go to eDeposit to see how easy it can be.

My Virtual Strong Box

Access important documents at the tip of your fingers? My Virtual Strong Box lets you safely and securely save your important documents on FCU's online banking site, It's Me 247. Files are protected with encryption, it includes a tool to safely transfer the documents when the need arises, and allows you to securely upload and archive additional documents. For more information go to the My Virtual Strong Box page or contact one of your FCU representatives.

Online Financial Gaming

Who said that paying down debt and saving money could ever be fun? SaveUp is FCU's online gaming program that rewards you for doing just that. When you make payments on your loans or save money SaveUp gives you credits. These credits can then be used to play online games which awards you prizes like a remodeled kitchen, a trip, a college education or gift cards.  The more credits you get the more games you can play. Plus, if you take part in some of SaveUp’s financial education modules you can also earn credits. So, Save Up pretty much rewards you for doing what is right for your own financial future, and the best part, it is free and fun for all FCU members.

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