Everyone miscalculates their checkbook or loses track of expenses from time to time. That’s why we offer Choice Pay* (Overdraft Protection) – a benefit to members and Business Accounts in good standing. Rather than returning unpaid items, Choice Pay may pay your overdrafts up to a total of $600. Choice Pay can bring you peace of mind and help avoid hassle and merchant fees.
Ask us about linking other Members Choice accounts as overdraft protection too.
*Choice Pay for new and business members will begin after 30 days of membership. Choice Pay is a privilege that may be revoked by MCCU at any time. We will charge you an overdraft fee of $28 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 $28 fee is also deducted from your total balance.