Membership & Benefits

Life is about balancing what you need with what you want. 

You know what you want. We have what you need. Your Fox membership comes with great rates and low fees, but that’s just the tip of the iceberg—there are even more benefits and a personal touch every time you visit or call us.

At Fox, we take pride in being local—our name even has “communities” in it. We focus on supporting our neighbors and delivering the maximum value our members deserve. Join us for a better financial experience with a not-for-profit cooperative that truly cares about Wisconsin.

Membership eligibility

  • Anyone who lives or works in the counties of Brown, Calumet, Dodge, Door, Fond du Lac, Kewaunee, Manitowoc, Milwaukee, Oconto, Outagamie, Ozaukee, Shawano, Sheboygan, Washington, Waukesha, Waupaca and Winnebago.
  • All employees of eligible payroll sponsored companies.
  • All immediate family members of anyone who is eligible for membership.

Get started

  • Fill out our Membership Application or stop by any of our convenient locations to open an account.
  • A $5 deposit is required to maintain membership with Fox and represents your share of ownership in the credit union.

Here are just a few of the benefits you can enjoy as a Fox member.

Discounted Tickets for fun on a budget
Reduced loans rates for members with active checking (coming soon!)
$3,000 in free accident insurance coverage for peace of mind
Free financial planning to reach your goals
450+ passionate and caring team members committed to helping you

Frequently Asked Questions

Yes. If convenience is important to you, please fill out our online application. You’ll need a current proof of identification and a way to add money to your new account.

Your $5 Membership Share account makes you a Fox member-owner. This means you can enjoy all our great benefits and see for yourself what makes The Fox Difference and our partnership so special.

We know that one account doesn’t cover everything you need to get what you want, so there’s no limit to the number of accounts you can have with us.

Team members at any of our locations are happy to help you with the documents you need to add or remove a joint owner from your account. If you find it easier, you can also close your current account and open. This option can make the process smoother and more convenient for you.

Stop by one of our locations or give us a call—whatever works best for you. We’ll help you with the documents to add or remove a beneficiary from your account. For more information, you can also check out our blog post on adding a beneficiary. If you’re not sure who is currently listed as a beneficiary on your account, we’re happy to help. Just stop by or call us.

 

Yes. You can transfer money to other accounts (known as external account transfers) using our app or online banking. Follow the steps in our blog and if you need any help, feel free to contact us.

Most employers typically have a direct deposit form for you to complete in order to deposit your paycheck into your personal account. Check with your HR department, or get in touch with us if you need help.

You will need the following information:

  • Routing #: 275977256
  • 12-digit Account Number – You can find your full 12-digit account number in Digital Banking or simply by contacting us and requesting it.

There are several reasons why a check may have a hold placed. The length of the hold on the check will depend on the type of check you deposit. If you have questions about how long your check will be held, or to inquire about a specific check, please contact a Fox team member or visit one of our many Fox locations.

Are you signed up for paperless statements? If so, that’s why. If not, contact our friendly Fox team and we’ll get it figured out. Monthly statements are typically mailed by the second business day of the month. Mortgage statements are mailed in the middle of the month.

Yes, the National Credit Union Administration (NCUA) insures deposits up to $250,0000. The amount of coverage depends on the ownership and types of accounts you have with Fox. To learn more, please visit Share Insurance FAQs or Share Insurance Estimator.

Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on a share account based on the interest rate and the frequency of compounding for a year.
Annual Percentage Rate (APR) is the cost of credit on a annual basis you’ll pay when borrowing money, expressed as a percentage.

Mobile Check Deposit is the ability to deposit your check into your Fox checking or savings accounts using your smartphone or tablet with the Fox Mobile App. If you don’t have our Fox mobile app, you can download it from Apple Store or Google Play store.

  1. Log into the Fox app from your smartphone or tablet
  2. Select “Deposit Check”
  3. Select “Deposit Account”
  4. Enter amount listed on check
  5. Endorse the back of check “For Mobile Deposit at FCCU” followed by your signature
  6. Snap a photo of front and back of check
  7. Select “Submit Deposit”

*Reminder: To use this service, you’ll need to be enrolled in Fox Communities Credit Union Digital Banking.

 

Yes, you will receive an email notification when your deposit is received and when it’s either approved or rejected.

Deposits received
Lets you know we have received your deposit, but the funds are not yet available for use, as the deposit is awaiting review/approval.

Deposit approved
Lets you know we have approved your deposit and it will be credited to your account during the next available deposit posting time.

Rejected deposit
Notifies you the deposit cannot be processed and the reason why. The funds will not be available in your account. You may view an image of the check under your Digital Banking activity details.

Deposits submitted after 3 p.m. CST, Monday-Friday, may not be deposited until the following business day. Any deposits submitted on a weekend or federal holiday will be processed on the following business day.

Generally, funds will be available for withdrawal by the second business day after the day of deposit. However, longer delays may apply. For additional information see Fox Communities Credit Union funds availability policy.

Yes, your Mobile Check Deposit may be rejected due to several reasons, including:           

  • You’re over the daily mobile check deposit limit
  • Blurry Image
  • Missing Signature on front of check
  • Improper endorsement on the back of the check
  • Unable to read MICR (magnetic ink character recognition) line
  • Third-party check

 

Your new card will be mailed to you before your old card expires. If you don’t receive it, please contact our friendly Fox team. Your card is good through the last day of the expiring month.

Most Fox locations offer instant issue debit cards. If your branch doesn't, your debit card will arrive in the mail within 3-7 business days of opening your account.
If you did not request a debit card when you opened your checking account and want one, please stop by any one of our Fox locations or call our friendly Fox team.

 

Our routing number is 275977256. You may also find this number in the bottom left corner of your checks. You’ll also need your 12-digit account number if you want to deposit money into your Fox account, which you can find in Digital Banking or simply by contacting us and requesting it.

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