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Avoid Returned or Rejected Transactions Due to Insufficient Funds


With Overdraft Protection, you can avoid returned or rejected items due to insufficient funds in your MCCU checking account.

Overdraft Line of Credit

Be protected by an open-ended, revolving line of credit with limits ranging from $500 to $15,000, with no annual fee and a low variable rate. 

  • No overdraft fees

  • Transfers in increments of $50

  • Automatically transfers funds when needed.

Auto Loans

Advance Pay Loans

Credit Cards

GoGreen Loans

Home Equity Line of Credit

Home Loans

Personal Loans

Share and Certificate Loans

Student Loans

Recreational Loans

Savings Account

If the funds are available in your primary savings account, you can set up automatic transfers in the event you need to have a transaction on your MCCU checking account covered. Please contact us to set this up on your account.

  • Low $3 fee per transfer

  • Transfers in increments of $50 

Courtesy Pay Overdraft Protection

When a check or withdrawal is presented to MCCU, we pay it from available funds in your account. If there are non-sufficient funds, and all Overdraft Protection options on your account have been exhausted, we will consider paying the item if you qualify for Courtesy Pay. Your account will then show a negative balance… and it is your responsibility to bring your account to a positive status within 30 days. Click here to learn more about Courtesy Pay.

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