Blue Federal Credit Union

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Blue is a Federal Credit Union on a do-good mission, that serves over 115,000 members worldwide. At Blue, we inspire the spirit of our employees, members, and communities as we invest in their pursuit of life.

Join | Become a member today | Blue

With Blue by their side, our members feel empowered to tap into the potential of their money, life and community in a way that no other financial institution can. We are your co-pilot for the long haul, along with every member we serve. And we invest in making your community better for all.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Terms and Conditions

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By checking this box you agree to our <a href="https://s3.us-west-2.amazonaws.com/acquire-assets.cotribute.co/blue/documents/14900170-D1000-C-1-101724+(D1000H-E)_CUF.pdf" target="_blank">Member Service Agreement</a> and <a href="https://www.bluefcu.com/tools-resources/disclosures-privacy-policy/member-privacy-policy" target="_blank">Privacy Policy</a>.

Online Account Opening E-SIGN Act Acknowledgement and Consent This Online Account Opening E-SIGN Act Acknowledgement and Consent (Acknowledgement) applies to all electronic signatures required for Blue Federal Credit Union’s (Blue’s) online account opening service, and those products, services and accounts offered or accessible through the online account opening service or mobile application used to access the online account opening service. You understand, acknowledge and agree that your consent to the use of electronic signatures is subject to the federal Electronic Signatures in Global and National Commerce Act (Act), and that you and Blue both intend the Act to apply to its fullest legal extent to validate Blue’s ability to conduct business with you electronically, rely upon your electronic signature and consent, and enforce agreements between you and Blue. Electronic signatures include, but are not limited to, any affirmative indication of consent in an electronic record, such as clicking a fillable box. Acceptance and Consent. By consenting to this Acknowledgement, I agree that:<ul><li>I have read, understand, and agree to be bound by the terms and conditions of this Acknowledgement, and consent fully to use electronic signatures for enrolling in Blue products and services; and<li>I understand and acknowledge that by consenting to this Acknowledgment that my electronic signatures, including clicking a fillable box as done below, are the legal equivalent of a signature on a paper document, and fully enforceable by Blue.</ul>Click here to consent.

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

Phone Number

We’ll text you important information about your application. Your phone number will never be shared. Standard text messaging rates apply.

How can we get in touch with you?

We use this information to verify your identity. Your information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared with anyone.

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We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

Choose from these great account options depending on your needs. You will have the opportunity to open additional accounts with Blue after your membership is established.

Which accounts are you interested in opening today?

Each certificate requires a minimum deposit of $1,000.

Let’s find out how much you’re guaranteed to save.

ID verification will be done securely with a third party, and only takes a few minutes. This important step helps us secure your information and creates a more trusted platform for all our customers.

Sorry, verification could not be completed. Please continue. Your ID will be verified later.

Have one of the following forms of ID ready. You will need it in a few seconds.<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul>For best results, we recommend using your mobile device. However, if you are on a computer, you may also use a webcam. Make sure the name on your ID document is an exact match to what you provided for this application. By clicking these buttons, you authorize your consent to run this validation service and capture your image.

Let's document your employment next.

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

Each new account requires a minimum deposit of $5 to setup your account numbers, online banking access, and more. If donating to the Blue Foundation, the minimum deposit is $10.

How much would you like to deposit into each new account?

Each new account requires a minimum deposit of $100 to setup your account numbers, online banking access, and more. You’ll see your opening deposit posted to the account within 2-3 business days after your application is approved.

How would you like to fund your new account?

Log in to your existing bank to fund your new checking account.

Your account setup is not complete until you make your first deposit. Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your bank’s account and routing number so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Please refer to the Membership Service Agreement Pt 2 (Agreement) for a more thorough explanation of factors that determine when an overdraft occurs and when you may incur a fee for overdrawing your account. The terms of the Agreement are incorporated herein, and both this notice and the Agreement are meant to be interpreted together. We can cover your overdrafts in two different ways:<ol><li>We have standard overdraft practices that come with your account, for which you can opt-in below.</li><li>We also offer overdraft protection plans, such as a link to another account of yours, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.</li></ol>This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions:<ul><li>Share drafts/checks, and other transactions made using your checking account</li><li>Automatic bill payments</li><li>ACH transactions</li></ul>We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):<ul><li>ATM transactions</li><li>One-time debit card transactions</li></ul>We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. What fees will I be charged if the Credit Union pays my overdraft? Under our standard overdraft practices:<ul><li>We will charge you a fee each time we pay an overdraft. See our current Rates & Service Charges for fee information.</li><li>We will limit the number of overdraft fees we assess to no more than 5 per day.</li></ul>

Overdraft Options

Please review your submission details and send it when you are ready! By clicking the "SUBMIT APPLICATION" button, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

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Thank you for applying for an account at Blue Federal Credit Union. Our team will contact you when your new account has been opened or if we need any additional information. We look forward to serving you soon!