4Front Credit Union

Good Friday and Easter Weekend Service Schedule

In observation of Good Friday and the Easter Holiday, all locations will close at noon on Friday, April 3 and remain closed thru Sunday, April 5.  This includes all lobby and drive-thru services.  Branches will reopen at their regularly scheduled times on Monday, April 6.

Telephone, Online, and Mobile Banking services remain available for use 24-hours a day.

Not sure which Online Banking tab to select?

Until later this year, the Online Banking system you utilize will depend upon where you initially opened your account. Please use your existing username and password to access your Online Banking system.

If you opened your account in any of the communities below, OR if you opened your account while purchasing a vehicle at a car dealership after January 2, 2015, select the Bay Winds FCU Original Accounts tab:

• Charlevoix          • Petoskey          • Boyne City          • East Jordan          • Bellaire
If you opened your account in any of the following communities, select the Members CU Original Accounts tab:

• Traverse City          • Kalkaska          • Manistee          • Mancelona

If you remain uncertain of which tab to select, or have not previously established Online Banking credentials and wish to do so, please call 800.765.0110 or 800.638.1182, and we will be happy to assist you.

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Our checking products are all you need to quickly and conveniently access your funds anywhere life takes you.

4Front Checking  Simplicity and convenience

4Front Checking is straightforward and gimmick-free. It gives you plenty of tools to manage your money the way you want to, while offering peace of mind with protections like Overdraft Privilege and Courtesy Pay, online check viewing, and National Credit Union Administration (NCUA) balance insurance up to $250,000.

  • No minimum required opening deposit
  • No monthly service charges or fees
  • Free MasterCard Debit Card
  • Free conveniences including Online Banking, Mobile Banking, Online Bill Pay, and eStatements
  • Access to nearly 30,000 surcharge-free CO-OP Network ATMs across the nation
  • Direct Deposit available

You shouldn’t have to pay to use your money, so 4Front Checking is completely and absolutely free.

4Front Money Market Checking  Put your money to work for you

All the benefits of 4Front Checking and a traditional, interest-earning savings account rolled into one! With no minimum opening deposit required, start saving in your 4Front Money Market Checking and, upon reaching and maintaining a $1,000 balance, earn an increased rate of return with virtually no risk.

  • No minimum required opening deposit
  • No monthly service charges
  • Earn tiered dividends on average daily balances exceeding $1,000
  • Deposits can be made at any time, any amount
  • Access to funds 24/7
  • Unlimited check writing (min. balance of $1,000)
  • NCUA insurance to protect your balances up to $250,000

Click here or ask a Member Service Representative for current 4Front Money Market Checking rates of return.

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Money Market Checking Rates

Money Market Checking
Effective Date: April 1, 2015
Average Daily BalanceAPY*
$1,000 - 9,999 0.10%
$10,000 - 24,999 0.15%
$25,000 - 49,999 0.15%
$50,000 or more 0.20%

*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest