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Merger Resources

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Welcome, FME members!

Congratulations! The legal merger with Community Choice Credit Union was official on August 1. All FME accounts will become Community Choice accounts on October 1.

Important information about your FME Credit Card:

Please continue using your FME credit card through January 22, 2020. Although you may receive a replacement Community Choice Visa Credit Card and the credit card will appear will appear e-Banking, it should not be activated until January 22, 2020.

On January 22, 2020, you may activate the card and can also begin making payments to your new Community Choice Visa Credit Card. If you have any questions, please contact us at 877.243.2528.

Important information about your FME ATM/Debit Card:

Please do not destroy your current FME ATM/Debit Card until after October 3. Your new Community Choice ATM/Debit card cannot be used until October 1. Please contact us at 877.243.2528.

Important information about your final FME statement:

Your September FME statement will be available within the e-Statements section of e-Banking beginning around noon on October 1.

Get started online! Learn how to enroll in e-Banking, click here

Transition Guide

The following guide contains important details related to your account transition. The goal of sharing this information is to simplify the transition and reduce the uncertainty that can come with such a significant change. Learn more by browsing through this digital copy. You will receive the same Transition Guide in the mail.

Transition Guide cover

 Download Transition Guide

Important Merger Updates

Please refer below for easy access to important information and merger updates.
Please note: Updates that are time sensitive are based off Eastern Standard Time.

If you have questions, we're here to help. 
Call us: 877.243.2528 | Send us an email:

FME Merger Timeline

Quick Info:

Routing number: 272079021

Credit card payments




Important Dates

September 29, 2019
• Final day to access FME Home Banking

September 30, 2019
• Dividends will be paid on all interest-bearing FME accounts

October 1, 2019, 10:00 a.m. EST
• FME account becomes Community Choice

• Begin using your new account number
  (please see the membership card included in your Transition Guide mailing)

• Activate and begin using Community Choice ATM and Debit Cards

• Enroll in e-Banking and download e-Banking mobile app

• Begin updating your direct deposits and electronic payments with your new routing
   and account number

• Michigan offices will open for business at 9:00 a.m. and 24-hour support is available
   at 877.243.2528

October 2, 2019
• Final day to use FME ATM and Debit Cards

November 1, 2019
• Eligible members will receive their first GetBigReward$ deposit

December 31, 2019
• Maintenance fees, shared branching and ATM surcharges are waived through this date

January 31, 2020
• Final day to update your direct deposits and electronic payments with your new
  routing and account number

If you have an FME loan, please see the Loans section below for important dates and information.

Savings and Checking
What happens to my FME account?

Your FME account will become your Community Choice account on October 1, 2019,
at 10:00 a.m. EST. At this time, you will have access to our member centers, surcharge-free CO-OP ATM network, online and mobile banking, and full suite of financial services.

Will my account number change?

Your account number will change. We will honor your FME membership anniversary date and retain your account history. You can find your new Member Number (account number) on the enclosed membership card.

How should I handle direct deposits, electronic withdrawals
and/or automatic payments?

Electronic deposits and withdrawals will be redirected to your new Community Choice account number beginning October 1, 2019. To ensure the smoothest ongoing member experience, you must update any active payments, deposits and withdrawals with your new routing number and account number by January 31, 2020. If this information is not
updated, your transactions may be delayed.

Please use the following format:

° Community Choice routing number: 272079021

° Checking account: 103_ _ _ _ _ _ _ _ _ _ (Total of 13 digits—add “103” to the beginning of your Community Choice account number. If your account number is not 10 digits, place leading zeros after the 103).

° Prime Share (Savings) account: 100_ _ _ _ _ _ _ _ _ _ (Total of 13 digits—add “100” to the beginning of your Community Choice account number. If your account number is not 10 digits, place leading zeros after the 100).

For example, if your account number is 1234567, it should read 1030001234567 for checking, or 1000001234567 for savings.

What happens to my checking account?

Community Choice offers two checking accounts. Choice Checking, our premium checking account, provides numerous benefits designed to help you save money and keep you and your family secure. Basic Checking, our standard checking account, is a no-frills free checking account.

If you did not respond to the letter or email about the option to enroll in Choice Checking, your FME checking account will automatically become a Basic Checking account, providing standard account features with no monthly fee.

We invite you to use the Choose your checking account section below to upgrade to Choice Checking, and get more from your membership. Beginning October 1, try the benefits for free through January 2020. After January, the $5.95 monthly fee may be reimbursed through our membership rewards program, GetBigReward$. For your convenience, you can change checking accounts at any time in the future without changing your account number, checks or debit card information.

What happens to my checks?

Do you have unused FME checks? Great news! Community Choice is pleased to continue
to honor and clear any FME checks through January 31, 2020. For your convenience, a box
of Community Choice checks will be available for only $10.47 through January 31, 2020.
To order checks at this special rate, please call us at 877.243.2528. Michigan residents can also place an order at a local member center.

Related information can be found on pages 3-7 in the Transition Guide.

Term Loans

During the transition, all term loans and balances will be transferred to Community Choice. Original loan contracts will be honored, with no changes to your rate or term. This includes auto loans, recreational vehicle loans, and closed-end personal loans.

Lines of Credit

Lines of credit and balances will be transferred to Community Choice. Rates and terms are subject to change. If you have a line of credit loan, you will receive a Change in Terms notice explaining the new details of your loan agreement before the changes go into effect on November 1, 2019.

Loan Payments

Paying your loan has never been easier thanks to e-Banking! After logging in, go to Move Money in the main menu. Here, you will find the option to Make loan payment. Credit card holders and mortgage holders, please continue reading for more information on how to make payments.

Visa® Credit Card

Please continue to use your FME credit card as you do today.
• Continue sending payments to the address listed on your FME Visa statement, or
• Enroll in e-Banking and setup automatic payments.

Credit card payments

Please look for information regarding your new Community Choice Visa credit card and even more convenient payment options in the near future.

Visa® Platinum ScoreCard Rewards

ScoreCard Rewards members will continue to earn points until new Community Choice Visa cards are issued. We want to make sure you utilize your points, so don’t delay! Points cannot be rolled over. Please make sure you redeem your points soon by calling 800.854.0790 or by visiting


Beginning October 1, 2019, Community Choice's mortgage partner, Member First Mortgage, will began servicing all mortgages. If you have a mortgage, you will receive a change of service notice via mail. 

As of October 1, 2019, please make all future mortgage payments using one of the following methods:

Automatic payments:
Setup automatic payments with the form provided from Member First Mortgage.

Mail payments:
Member First Mortgage LLC
Department# 771502
Detroit, MI 48277-1502

In person payments:
Michigan residents can make payments at any Community Choice member center.

Related information can be found on pages 8-9 in the Transition Guide.

Online Banking
Online Banking

Online Banking at will be available until the end of the day on September 29, 2019.
Beginning at 10:00 a.m. on October 1, 2019, you can enroll in e-Banking using the following steps:

1. Visit
2. Click Login in the upper right corner
3. Choose Enroll in e-Banking
4. Complete the e-Banking enrollment steps (this guide will walk you through each step).

You will need your enclosed membership card to enroll, and you will also be asked to verify the primary account holder’s information, including last name, Social Security Number and ZIP code. You can choose your own e-Banking username; it must start with a letter and be 6 -12 characters long.

For your convenience, you can also enroll using our e-Banking mobile app. If you need
assistance enrolling in e-Banking, please call us at 877.243.2528, or visit your nearest member
center. Please note, your FME account history will only be available in the “e-Statements” menu in e-Banking.

Bill Pay

If you currently use FME’s Bill Pay service, you will be automatically enrolled in Community
Choice’s e-Banking and e-Pay. You will receive special instructions via email prior to October
1, 2019. You may receive an automated email from our system indicating your new Bill Pay
account has been established. This account will not be active until October 1, 2019.


At 10:00 a.m. EST on October 1, 2019, you will have access to Community Choice’s
Telebanking service by calling 800.903.0053. You will be prompted for your Community Choice account number, and your temporary PIN, which is the last 4 digits of the primary account holder’s Social Security Number. Telebanking allows you to easily check balances and transfer funds from anywhere, anytime.

Related information can be found on pages 10-12 in the Transition Guide.

Merger Documents

Important merger documents will be added as they become available.

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