SOAR - Student Ownership And Responsibility

If you are between the ages of 14-21 and want to begin a financial relationship, establish credit and learn about basic finances, then BBCU has a program designed especially for you. This program is designed to help you build a firm foundation for financial success.

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Money Orders

Send money safely and conveniently. A money order is much safer to send through the mail than cash because it can only be cashed by the person it’s made out to, and it can be replaced if lost or stolen. Money Orders can be purchased up to a maximum of $1,000 see our fee schedule.

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Travelers Cheques

If lost or stolen they are refundable usually within 24 hours. Plus they provide you the peace of mind knowing that behind every Cheque is someone who can help in a travel cash emergency, 24/7. Also available are Cheques for Two. See fee schedule

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Gift Cheques

The safety of Travelers Cheques and the convenience of a card. These cards are great for holidays and gifts. They are prepaid and reloadable. Refunded in 24 hours and accepted at millions of places worldwide that welcome American Express.

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Notary

Birmingham Bloomfield Credit Union does provide free notary services at either the Birmingham and Keego Harbor offices. Proof of identity most be provided.

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Wiring Out of BBCU
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 on 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. Wire request for over $50,000 must be received by 1:30 p.m. to be processed the same day. Requests over $50,000 received after 1:30 p.m. will not be processed until the next business day.

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

CenCorp, Southfield, Mich
ABA routing number - 272478075

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 Rate Schedule

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Free Spirits
Are you 55 years of age or over? If you are, join our "Free Spirits" program. Our program was designed with our "55 and over" members in mind. We put several services together just for you, so take advantage of these time and money saving benefits!

Features

• Free Checks - you will received one box of FREE basic checks per year (single signature only) Travelers Cheques - there are no fees for you on Travelers Cheques. Cashier's Check - you may write yourself one Cashier's Check per month
• Money Orders - Money Orders are provided for our Free Spirits at our cost

In addition to these benefits, you may take advantage of our low cost loan services, savings programs, checking accounts and our many time saving services!

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Discretionary Pay

Birmingham Bloomfield Credit Union can at it’s 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 see our Discretionary Pay Policy and the FDIC’s brochure.