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Choice Pay

Get additional peace-of-mind with overdraft protection

Everyone miscalculates their checkbook or loses track of expenses from time to time. That’s why we offer members the ability to opt-in to Choice Pay* (Overdraft Protection) — a benefit to members and Business Accounts in good standing. When you sign up for Choice Pay, rather than returning unpaid items, MCCU may pay your overdrafts up to a total of $600, including the overdraft fee.

Ask us about linking other Members Choice accounts as overdraft protection too.


If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.

*Choice Pay for new personal members will begin after 30 days of membership, and after 60 days of membership for business members. Choice Pay is a privilege that may be revoked by MCCU at any time. We will charge you an overdraft fee of $32 each time we pay an overdraft.

This program will not apply to ATM transactions or to non-recurring debit card transactions unless you notify us that you would like to opt in to coverage of such transactions. Regardless of your choice to opt-in, MCCU retains the right to pay or not pay any transaction(s) if you do not have sufficient funds available, if your account is not in good standing, or if you have reached your Choice Pay limit. You may incur multiple fees in one day.

Choice Pay is a service that is provided at MCCU’s discretion and is subject to approval. The Choice Pay limit is $600 (including fees). Account must be at a positive balance at least once every 30 days. Once you reach your limit we will not pay any other transactions if you do not have sufficient funds. Each $32 fee is also deducted from your total balance.