800-765-0110
Routing/Transit Number: 272485385
Member Services
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Checking Benefits
We have five checking account relationships to meet your needs. When you open one of these accounts and you will begin a relationship that comes with special privileges and advantages. Open your Members Credit Union Checking Account Relationship today!
| Benefits | Member Junior Checking | Member Checking | Direct Checking | Interest Checking | Mature Checking |
| Minimum Balance | None | None | None | $2,500 | None |
| Minimum Balance Fee | No | No | No | No | No |
| Free Direct Deposit | Yes | Yes | Yes, required (1) | Yes | Yes |
| Interest Paid | No | No | No | Yes | No |
| Loan Discount (2) | No | No | Yes | Yes | No |
| CD Bonus (3) | No | No | Yes | Yes | No |
| Loan Application Fee | No | No | No | No | No |
| Overdraft Line of Credit | No | Yes, if approved | Yes, if approved | Yes, if approved | Yes, if approved |
| Visa/MasterCard Annual Fee | No | No | No | No | No |
| Free Visa Debit Card | Yes | Yes | Yes | Yes | Yes |
| Free On-Line Banking | Yes | Yes | Yes | Yes |
Yes |
| Free e-Statement |
Yes | Yes | Yes | Yes | Yes |
| Free e-Notice |
Yes | Yes | Yes | Yes | Yes |
| Free On-Line Bill Pay | Yes | Yes | Yes | Yes | Yes |
| Free Phone Banking | Yes | Yes | Yes | Yes | Yes |
| Free Travelers Checks for One (4) | Yes | Yes | Yes | Yes | Yes |
| Check Print Fee | Fees Apply | Fees Apply | Fees Apply | Fees Apply | No Cost for Basic Issue One Box Annually |
| 1) Net Direct Deposit Required 2) Loan Discount based on application and approval. Must meet account relationship requirements. Promotional, variable, credit card, and real estate loans excluded. 3) $500 Minimum Deposit Required, available in 3, 6, 12 month terms. Excludes promotional and jumbo rates 4) No cost for Travelers Checks for One, normal fees apply for Travelers Checks for Two. |
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Overdraft Protection
Members Credit Union offers two options to help you protect your checking account from being overdrawn.
Overdraft Transfer Protection
This option allows you to designate up to six accounts that can be accesses by our system to look for available funds to transfer into your checking account to allow checks and electronic transactions to be paid. Account types available for overdraft transfer are:
- Member Junior Share
- Member Share
- Direct Share
- Interest Share
- Mature Share
- Daily Dividend Share
- Vacation Fund
- Christmas Club
Sign up today at your local branch and prevent overdraft fees. There is no charge for this feature.
Overdraft Protection Line of Credit
This option allows you to establish your line of credit up to $2,500 based on approval. Use the line of to provide protection on your checking account.
Avoid the embarrassment of overdraft fees at your credit union or merchants. Protect your checking account from accidental overdrafts. Apply for your Overdraft Protection Line of Credit with our convenient online loan application!
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