As a member of MSFCU, you have access to cash when you need it most. It is a convenient way to get cash in a flash. Even point of sale transactions will allow you to get cash back. Just be sure to check the machine for the ATM card option. When you are out and about, your ATM card will be recognized as a part of several networks like Dolphin Debit Access (located at select Walgreens and Walmart Murphy Oil Stations) and the CU24 Network among others.
Running low on cash? Don't skip the fun, Skip-A-Pay today. Click here for your Skip-A Pay form.
WHAT IS OVERDRAFT PROTECTION?
(Courtesy Pay or Overdraft Privilege)
Overdraft protection is designed to help guard members against having items returned unpaid by our Credit Union. At our discretion, each eligible member will be provided a specific dollar amount depending on the type of checking account. At account opening, members are provided overdraft protection of $100. After 35 days members in good standing are eligible for the overdraft protection limits listed below. The overdraft limit amount includes a $29.00 fee.
HOW DOES OVERDRAFT PROTECTION WORK?
Should you overdraw your checking account, we will charge you a $29.00 fee and pay the item if it is within your overdraft protection limit. You will also be able to use overdraft protection for ATM withdrawals and Debit Card transactions if you Opt-In for this service. You may Opt-Out at any time by signing the Opt-Out form or by contacting Member Services.
WHAT ARE THE LIMITS OF ELIGIBLE ACCOUNTS?
Green Plus Checking
WHAT IS EXCLUDED FROM OVERDRAFT PROTECTION?
- Right Directions Checking Account
- Members under the 21 years of age
- Members who have an outstanding charge-off with our Credit Union
- Members who have past due loans greater than 30 days with our Credit Union
- Accounts with Return Mail
- Accounts open less than 35 days
- Dormant and inactive accounts
- Multiple checking accounts per account number
HOW DO I KEEP THIS PROTECTION?
You must make regular deposits into your account, remain in good standing and bring your account to a zero or positive balance within every 30 day period for a minimum of 24 hours.
Fast and more convenient than writing a check, MSFCU debit cards will deduct your transaction amount from your account. Our debit cards can be used to purchase items over the phone and internet.
No more waiting for your pay check to come through the mail, you can direct deposit your check into your checking or savings account.
Notary Service is free as a benefit to all members. Available at most locations, check with your local branch for an appointment to get an official stamp on important documents.
Need a portion of your paycheck to go directly into your savings or maybe that student of yours need their allowance deposited from your pay to their account? By designating a portion of your payroll to deposit automatically into another account, you need not worry about taking care of business…it’s automatic.
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.
Need access to your account via telephone, just call 601-351-9200 or 800-643-1567
All you need is your account number and your Personal Identification Number (PIN).
You can check your balance, transfer funds or make a loan payment.
Our other services include: Electronic Withdrawal, Fax Service, Money Orders, and Official Checks.