Mississippi Federal Credit Union

American Express Travelers Cheques
- Travel with safety -- substitute travelers' cheques for cash
- Safe way to send or spend money
- Travelers' cheques for two are available in our Jackson, MS office. Extra charges may apply.
ATM Cards
- Convenient way to get cash in a flash
- Allows 24-hour access to your account
- Check your balance
- Withdraw funds
- Transfer funds from shares (savings) to share draft (checking)
- Point of sale allows you to use your ATM card at any location that has a point-of-sale machine. This is a machine with an ATM card and Credit card option. This card may be used at Wal-Mart, Kroger, Brookshires, and some gas stations, just to name a few. Be sure to check the machine for the ATM card option.
Bill Pay
- Pay your bills without writing checks, going to the post office, waiting in line, and buying stamps.
  - Save time and money!
  - Pay anyone, businesses OR individuals, who you would normally pay by check from your MSFCU checking account.
  - Keep track of all your payments in one place.
  - View payment history for a full year.
  - Pay your bills whenever you want, wherever you are, from any computer.
  - Make one-time payments, or schedule recurring payments.
  - Your accounts are secure.
  - Your information remains private.
  - Your payments will be made on the date you set.
  - Eliminate identity theft by stopping bills from arriving in your home mailbox.
  - Monthly charge is $7.50, unless you have at least 3 services with Mississippi Federal Credit Union. Services include: a share account, a checking account, a Christmas or Vacation Club account, a loan, a certificate of deposit, etc.
Check Cashing
- Cash checks with no fee for those who have an active & satisfactory checking account. Account balance requirements for large check amounts may apply.
Courtesy Pay (Overdraft Privilege)
Courtesy pay is a service that allows the credit union to pay a share draft (checking) transaction or ACH transaction even if it causes the account to become overdrawn. Let's face it. Sometimes we all forget to record a check or an automatic bill pay deduction, and then we unintentionally write a check for more money than we have in our account. A check returned for insufficient funds (NSF) is both costly and embarrassing. Courtesy Pay provides accountholders who meet certain criteria with the ability to overdraw their personal share draft (checking) account. The Courtesy Pay feature is only available to members who are in good standing with the credit union and whose checking account has been open for at least 60 days. Student checking accounts are not eligible for Courtesy Pay. Different types of checking accounts have different limits for courtesy pay.

Whether we pay or return an item, your account will be assessed a $25.00 fee, either as a Courtesy Pay Fee or a Non-Sufficient Funds Fee, but you will never be charged both fees. All negative balances must be paid by the close of business on day 30 or your Courtesy Pay privileges will automatically be suspended.

However, we do not recommend that Courtesy Pay be used regularly as a short-term loan, and it should never be figured into your available balance. Please use your checking account responsibly and maintain a good credit history.

For more information, see our handout on Overdraft Privilege.
VISA Credit Card
Debit Cards
- Faster and more convenient that writing a check
- Transaction amount deducts straight from your checking account
- Card has a VISA logo, so you can use the card to purchase items over the phone
- We are a member of Verified by VISA. Please visit www.visa.com/verified and register for protection against unauthorized use of your credit or debit card.
Direct Deposit
- Get access to your money faster than waiting for a check to come through the mail
- Safe
- Convenient
- Confidential
- No more standing in line to make a deposit
Electronic Withdrawal
From your regular checking account, you can:
- Pay bills by a pre-authorized draft from your account
- Draft money to another financial institution
Financial Calculators
Fax Service
This service is available in our Jackson, MS branch ONLY. For our members, the fax service is $1.00 per page (out-of-state charge is $2.00 per page).
Insurance -- Home and Auto
Money Management
Money Orders
Money orders are available for our members at a cost of $2.50 per money order. One money order cannot exceed $1000.00 in value, therefore, if you need a money order for an amount greater than $1000.00, you will need to buy two or more money orders.
Mutual Funds Investing
Notary Public Service
- Notary service is free to our members; $2.00 charge for non-members
- Service is available at all three branch locations:
Official Checks
Official checks are available to our members. If the official check is made payable to anyone other than the member, then a fee of $5.00 will be charged. Official checks must be written out of your share/savings account, and will count as one of your five withdrawals for the quarter. Official checks should be used for special purposes, and not for paying your normal monthly bills.
Online Brokerage
Online Home Banking
Overdraft Protection

Overdraft Protection is a service where your shares (savings) account works with your share draft (checking) account to help prevent your checks from being returned because of insufficient funds. If you write a check for a larger amount than you have in your checking account, but you do have enough funds in your shares account to cover the check, MSFCU will transfer money from your shares to your checking (in increments of $50.00) to cover the check. You will be charged $1.00 for the transfer, instead of the $25.00 insufficient funds fee. Not all types of checking accounts are eligible for this protection.

Re-order Checks

Safe Deposit Boxes
Valuable Documents and irreplaceable family heirlooms should not be kept unprotected in your home. Safe-deposit boxes provide protection from both theft and fire for your most important and treasured items. Contact the credit union today to open a safe-deposit box and enjoy greater peace of mind.

Jackson, MS branch
2x5 size	$20.00 per year
3x5 size	$25.00 per year
5x5 size	$30.00 per year
3x10 size	$35.00 per year
5x10 size	$45.00 per year
10x10 size	$65.00 per year

Oxford, MS branch
3x5 size	$25.00 per year
5x10 size	$45.00 per year
10x10 size	$65.00 per year

24 Hour Telephone Voice Response
Our 24-hour telephone voice system is a service that is provided to you at no charge. This system allows you to check balances, transfer funds between your accounts, verify deposit information, see which checks have cleared your account and request an official check from your account. To use the system, follow these steps:
- Call 1-800-643-1567 or 601-984-1315, and select option 1
- Must have your full account number.
- Must know your personal identification number. If you have not previously set up a personal identification number, listen to the menu and select the option to choose a personal identification number.