Checking

ATM / Debit Cards

Advantage ATM / Debit Cards

We offer Visa^(R) ATM / Debit cards!  Purchase most anything anywhere you see the Visa^(R) logo, and the funds will be electronically deducted from your checking account.  Our ATM/Debit Cards also serves as an ATM card, allowing you to withdraw cash from your account.  This can be done while making a purchase at a store or by using an ATM.  All transactions - such as purchases, payments, and withdrawals - are processed in real-time.  This means each transaction is approved based on your available balance and is instantly reflected against your account's available balance. 

Application:  chick here to access an ATM / Debit Card application

Purchase / Withdrawal Limits:  Each debit card has daily purchase and cash withdrawal limits.  The default limits are per account are as follows:  

• $500 ATM Withdrawal
• $1,000 PIN Transaction
• $1,000 Signature Transaction

If you need to increase your limit for any reason, just let us know!  We can adjust it for the day, over the weekend, while you're on vacation, or for any other occasion, often within minutes or even seconds!

Travel Notice:  Please inform us before you leave on any trip.  Adding a travel notice to your card will minimize interruptions when using your card while traveling.  Without this notice, our fraud monitoring service may flag transactions outside your usual spending area as fraudulent and restrict your card.

Lost or Stolen Debit Card? Call 1-605-353-9977 during business hours, or 1-800-236-2442 after hours.

Security Features: 

• EMV Chip Cards enhance safety at merchant terminals by providing an extra layer of security and authentication.  
• Fraud Prevention measures are becoming increasingly proactive.  If a suspicious transaction is detected on your card, our fraud monitoring company will restrict your card and notify you via text message, phone call, and/or email.  Please ensure your contact information is up to date, so you receive any necessary fraud alerts.
• Visa Secure (previously Verified by Visa) helps ensure payments are made by the rightful owner of the Visa card, protecting you against unauthorized purchases when shopping online.  Through Visa Secure, low-risk transactions are sent directly to the merchant for authorization, whereas high-risk transactions may require further verification.  This verification may be in the form of a one-time passcode (OTP) sent as a text message or email.  This authentication method offers a high level of security, and reduces delays in usage.  Visa offers comprehensive fraud protection to cardholders, and with Visa Secure, you get an extra layer of security for your online shopping experience.  IMPORTANT:  The OTP is sent based on information we have in our system, so it is important to keep your cell phone number and email address updated.

ATM Locations

ATM Locations

ATM Locator:  To locate the nearest free, or surcharge free, ATM visit:  www.Advantage-Network.com and click on ATM Finder.  

No ATM nearby?  No worries!  While shopping, you can request cash back with your purchase.  Simply choose the debit option and enter your PIN.  When asked if you'd like cash back, select yes and enter the desired amount.  Many retailers allow you to withdraw up to $100 in cash back.

• Advantage ATMs:  By using an Advantage ATM, you can avoid any fees for cash withdrawals.  
  
  
• Allpoint ATMs:  As a M-O FCU debit card holder, you have access to over 55,000 ATMs across the United States, Canada, Mexico, Puerto Rico, the United Kingdom, and Australia for FREE.  Of these, 43,000 are located in the United States at popular retail locations like Target, CVS, Walgreens, 7 Eleven, Costco, and Safeway.  Just look for the Allpoint logo on the ATM.  

Order Checks

**** Please note, that as a result of our System Upgrade on April 1, 2025, the format of your account number has changed.  When you are ready to reorder checks using the new MICR format for the first time, reach out to us to establish the new format in our ordering system.

Check Blank Ordering

You can order check blanks from two different companies, both of which provide high-quality products with built-in security features. 

Orders:  You can mail in the check reorder form that comes with your checks, drop it off, call in your order, or order online (see links below). 

Other Products:  A variety of other products, such as labels, stamps, checkbook covers, and deposit tickets are also available for purchase. 

* CHANGES?  The online ordering systems for both companies are designed for orders that do not require any changes.  If you need to update your address, phone number, name or other information, please place your check order directly with any M-O FCU employee.

Below outlines some key differences between the two companies:

Overdraft Protection

Overdraft Protection

Overdraft Protection provides coverage for your checking in the event your account is overdrawn.  This service acts as a loan to cover your purchases, helping you avoid overdraft or transfer fees.  Funds are advanced in increments of $50, up to a maximum approval limit of $1,000*.  

You can transfer funds from your Overdraft Protection into your checking if you anticipate needing extra funds.  If a transfer happens automatically when items are clearing your account, the transfer will be done in $50 increments.  However, if you advance the funds yourself, you are able to transfer any dollar amount up to your available limit, even if that amount is less than $50.

A payment of $30 will be automatically deducted from your checking account on the 15th of each month.  If you would like to pay off your Overdraft Protection balance sooner, you can make additional or larger payments as needed. 

If you do not have Overdraft Protection and would like to apply, contact any M-O FCU employee for an application, or click here to print one yourself.

* Please not that any additional overdrafts will be subject to M-O FCU's overdraft policy.