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Checking Packages

Our checking packages are designed to make you money, give you peace of mind, and save you time. We can offer you:

• Regular Checking
• Senior Checking

Regular Checking

You’ll make money, save time and enjoy free services with this package.

• Dividends paid on account balance of $100 or more
• No monthly balance requirement
• No per-check charges
• No monthly service charges
• First@HOME online banking with free bill pay, eStatements and eAlerts
• Mobile Banking - have access to your funds on the go
• Direct deposit available for immediate availability of your payroll check
• MasterMoney Debit / ATM card with 28,000 surcharge free ATMS nationwide
• Free starter checks
• For peace of mind overdraft protection is included
• Free automatic transfers from your designated savings account
• Overdraft Line of Credit with lines up to $2,000
• Member Privilege^SM, just in case for added protection
• CheckRight - information on managing a checking account

Does this package work for you? Simply fill out this application and bring it in to either office.

Senior Checking

For our members 55 and better, you’ll save money and enjoy free services with this package.

• Free checks
• MasterMoney Debit / ATM card with 28,000 surcharge free ATMs nationwide
• First@HOME online banking with free bill pay, eStatements and eAlerts
• Direct deposit available for immediate availability of your money
• 10% discount on safety deposit boxes
• No monthly balance requirement
• No per-check charges
• No monthly service charges
• For peace of mind overdraft protection is included
• Free automatic transfers from your designated saving account
• Overdraft Line of Credit with lines up to $2,000
• Member Privilege^SM, just in case for added protection
• CheckRight - information on managing a checking account

Does this package work for you? Simply fill out this application and bring it in to either office.

MasterMoney Debit/ATM card

A MasterMoney Debit/ATM card is accepted anywhere you see the MasterCard logo, giving you the convenience to access your money 24 hours a day, 7 days a week.

• The convenience of a credit card (each transaction is deducted from your MFCU checking account), accepted at millions of locations nationwide.
• Can be used as an ATM card with over 28,000 surcharge free ATMs nationwide.
• Secure your MasterMoney card with SecureCode to help guard against unauthorized use of your card online.

Overdraft Line of Credit

An overdraft line of credit offers you peace of mind when it comes to protecting your checking account just in case of errors.

• Credit lines from $300 to $2,000
• Access by check, ATM, MasterMoney Debit/ATM card, or with a Member Service Representative

Member Privilege^SM

Having a check returned due to insufficient funds can be a costly and humiliating experience. That's why we provide you with Member Privilege^SM, a special overdraft privilege. This service gives you an added level of protection against unanticipated cash flow emergencies and account reconciliation errors.

Member Privilege^SM is automatically assigned to your account. As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), Members First Credit Union may pay overdrafts up to the Member Privilege^SM limit on your account. Though there is no fee associated with Member Privilege^SM you will be charged the regular NSF fee of $24 for each item paid. Items that may be paid using Member Privilege^SM are checks and other transactions made using your checking account number. In the event that you would like to have this service removed from your account, you may do so by calling toll-free 1-888-835-5151. However, once this service is removed, you should remember that if an item is presented for payment and there are not sufficient funds in your account, the item will be returned to the payee and our NSF fee of $24 will be charged per item.