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Online Banking

Online Banking

Perks of Online Banking

With online banking, you can:

  • Check account balances
  • Transfer funds between subaccounts
  • Transfer funds to another member
  • Make loan payments
  • View loan information
  • Apply for loans
  • Schedule loan appointments
  • Open subshare accounts
  • Securely message the credit union
  • Enroll in and view eStatements
  • Set up and manage eAlerts
  • Send funds via BillPay
  • Order checks (if you have a checking account)
  • Initiate stop payments (if you have a checking account)
  • Set goals and track spending with MoneyDesktop

Read more about some of these tools below and enroll today!

eStatements

Downloadable PDFs of your eStatements are available on the first of the month. They remain archived in the portal for 36 months.

To Enroll:

  1. Login to Online Banking or the Mobile App.
  2. Click on the blue “eStatements” icon on the dashboard.
  3. Follow the prompts to finish enrollment.

 
To Access the Portal:

  1. Login to Online Banking or the Mobile App.
  2. Click on the blue “eStatements” icon on the dashboard.
  3. Click “Monthly Statements.”
  4. Click the statement you want to view.
 
 

eAlerts

eAlerts allow you to be notified via text or email when there is activity on your account. You can customize these alerts to notify you when your account balance falls below a certain amount, when withdrawals and deposits occur, and more.  This is a great tool to help manage and monitor your account activity.

To Enroll:

  1. Login to Online Banking or the Mobile App.
  2. Click the “eAlerts” tab on the Main page.
  3. Follow the prompts to set up your eAlerts.


To Set Up User Alerts: 

  1. Login to Online Banking or the Mobile App.
  2. Click your name or profile icon on the tap right of the dashboard.
  3. Click “User Alerts.”
  4. Set your preferences.

Bill Pay

Bill Pay is a convenient and free way to pay your bills from your checking account without the hassle of writing out checks and paying for postage.  Send one-time and/or recurring payments at your convenience!

To Enroll:

  1. Login to Online Banking or the Mobile App.
  2. Click the blue square “Pay a Bill” icon on the dashboard or “Bill Pay” on the menu.
  3. Follow the prompts to finish enrolling.

Member 2 Member

Send funds to another member’s account efficiently with this new tool.  You will need to be able to provide:

  • The primary member’s last name,
  • The primary member’s member number
  • Share ID for the subshare they want the funds deposited to (the share ID is a 4-digit number preempted by “S”)
  • Amount to transfer

Reap the rewards of being a member.

There’s no question about it: we’re different but in the best way. We make you and your financial well-being our priority. 

Apply for membership
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Breakwater Federal Credit Union logo white transparent
Routing Number: 291172682
Contact Us

700 E. Sharon Ave.,
Houghton, MI 49931

Call or Text: 906.482.5005
Fax: 906.482.2451
Email: info@breakwaterfcu.org

Mobile App

Download our mobile app to deposit checks, check your account balances, and more!
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Closure notice

We will observe the following closures for the winter holidays:
CLOSED on Christmas Eve, Christmas Day, and New Years Day (Dec 24, Dec 25, and Jan 1). OPEN 8:30-12pm on New Years Eve (Dec 31).

Remember, you can perform most of your banking business via our mobile app or our 24/7 deposit ATMs (credit union drive-up and Calumet AmericInn)!