Members First Credit Union
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Member Privilege

Everyone has that "Uh-oh!" moment at some point, but maybe you just need a little support until pay day. No matter what the reason is, we have Member Privilege for added protection for you and your account.

How does Member Privilege work?
Member Privilege is automatically assigned to your account. As long as you maintain your account in good standing (defined as making regular deposits, bringing your account to a positive balance at least once every 30 days and keeping your loan and credit card current), Members First Credit Union may pay overdrafts up to the Member Privilege limit on your account. Though there is no fee associated, you will be charged the regular NSF fee of $27 for each item paid. Items that may be paid using Member Privilege are checks and other transactions made using your checking account number.

You may remove this service from your checking account by calling 855.835.6328 or stopping in any of our 8 branches.

The chart below shows the different ways you can access your Member Privilege limit and indicates whether or not this limit will be reflected in the balance provided. 

Access Points

Is my overdraft privilege limit available?

Does the balance provided reflect my overdraft privilege limit?



Writing a Check


 Debit Card


ATM Withdrawal


ACH-Auto Debit


Online Banking



*Only with signed consent after July 1, 2010
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Members First Credit Union | P.O. Box 2165 | Midland, MI 48641
Phone 855-835-MFCU (6328) |

Federally insured by NCUA.
We do business in accordance with the Fair Housing Law.