Member Promotions 

Current Promotional Offers on Exceptional Products 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum and Visa Platinum Secured:
The Introductory APR for balance transfers will apply to transactions of $1,000.00 or greater posted to your account during the first 30 days following the opening of your account. Any existing balances on BMI Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date: 
The information about the costs of the card described in this application is accurate as of: November 8, 2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Platinum Secured and Visa With Rewards and Visa With Rewards Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or join account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at
1-800-342-3736 or www.dfs.ny.gov

Other Fees & Disclosures:
Late Payment Fee: 
$25.00 of the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Annual Fee -Visa with Rewards and Visa with Rewards Secured: 
$49.00.

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.

©TruStage Compliance Solutions 2009, 10, 12, 16, 2023 
03400649-MXC10-C-4-071923 (MXC104-E)

2. Enter promo code ADD24 when applying online or mention when applying in person. Cash bonus of $100 will be deposited in the member’s savings account within 10 business days after all qualifications have been met. The following requirements must be met in the first 90 days after the account is opened: 1) Open and deposit $20.00 into a new free checking account. 2) Make a minimum of 30 Visa debit card transactions of at least $5 each in the first 90 days. 3) Sign up for electronic statements. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Offer not valid on Starting Over Checking, Platinum checking, or Business accounts. This offer is not available to those with fiduciary accounts, those who have closed an account within 60 months, or have a negative balance. Checking account must remain open for a minimum of 6 months or the bonus will be debited from the account at closing. Offer cannot be combined with other checking offers. Membership eligibility and account requirements apply. BMI FCU is open to everyone who lives, works, worships, or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends December 31, 2024.

3. Refer A Friend Program – Existing Member: New member must mention name of referring member when account is opened. Cash bonus of $200 will be deposited to referring member’s savings account within 10 business days after the New Member Offer is qualified. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. New Member: Enter promo code FRIEND24 and existing member’s name when applying online or present this card when opening account in person. Cash bonus of $300 will be deposited in the new member’s savings account within 10 business days after all qualifications have been met. The following requirements must be met in the first 90 days after the account is opened: 1) Open and deposit $20.00 into a new checking account. 2) Make a minimum of 30 Visa debit card transactions of at least $5 each in the first 90 days. 3) Sign up for electronic statements. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Offer
not valid on Business accounts. This offer is not available to those with fiduciary accounts, those who have closed an account within 60 months, or have a negative balance. Checking account must remain open for a minimum of 12 months or the bonus will be debited from the account at closing. Offer cannot be combined with other checking or add-on bonus offers. Membership eligibility and account requirements apply. BMI FCU is open to everyone who lives, works, worships, or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends December 31, 2024.

5. ** APR = Annual Percentage Rate. 
++Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use.
+Card Alerts are provided at no additional cost from BMI FCU. Message and Data rates may apply. MyCardRules is a registered trademark of Jack Henry & Associates, Inc.®
***Eligible Cellular Wireless Telephones only. See disclosure for details.