Woman and man going over financial information at a table.

Safe & Secure

Checking and savings benefits
for our members.

Checking

We truly go above and beyond to give you a checking account that's far from ordinary. Our accounts have everything you want and need - security, convenience, and simplicity - without the hassles and fees.

ATM / Debit Cards

debit card image with American flag backgroundWe offer Visa(R) ATM / Debit cards that provide all the acceptance of credit cards without slowing you down to write a check.  Purchase most anything, anywhere you see the Visa(R) logo and the money will be electronically deducted from your checking account.  Our debit card offers the added convenience of being an ATM card to withdraw cash from your account as well.  This can be done while making a purchase at a store or by using an ATM.  These cards are available to you whether you have a checking and savings, or just a savings account.  If you only have a savings account the only feature they have will be ATM cash withdrawal, as a checking account is required to make purchases.

Purchase / Withdrawal Limits:  Every debit card has a daily purchase limit and a daily cash withdrawal limit.  We like to keep the limit as low as your daily usage allows - which helps keep your money safe in the event someone would get hold of your card information and use it fraudulently.  If you need to increase your limit for anything just let us know!  We can raise it for the day, over the weekend, while you're on vacation, or permanently, in only a matter of minutes (sometimes only seconds)!

Security Features

  • Travel Notes allow you to use your card while traveling with less interruption.  Without putting Travel Notes on your card, our fraud monitoring company may see any transaction outside of your normal spending area as fraud and restrict your card.  Please call us before you leave on any trip.
  • EMV Chip Cards offer safer purchasing at merchant terminals as it provides an extra level of security and authentication at the merchant.  
  • Verified by Visa helps ensure that payments are made by the rightful owner of the Visa card.  Activating Verified by Visa to protect you against unauthorized purchases when shopping online is quick and easy.  Visa always offers comprehensive fraud protection to cardholders.  With Verified by Visa, you get an extra layer of security to protect your identity and your shopping experience online.
  • Fraud Prevention measures are becoming more immediate.  If a suspicious transaction is attempted on your card our fraud monitoring company will restrict your card and send you a text message, call you, and/or send you an email.  Please make sure the phone numbers, email, etc. on file is the most current contact information to ensure you receive fraud alerts, if necessary.

Lost / Stolen?  Call 1-605-353-9977.  After hours call 1-800-236-2442.

ATM Locations

hand reaching for cash at atmATM Locator:  To locate the nearest free, or surcharge free, ATM visit:  www.Advantage-Network.com and click on ATM Finder. 

No ATM near you?  No problem!  When you are at a store making a purchase you have the ability to get cash back with your purchase.  All you have to do is select the debit option and enter your PIN.  Many merchants allow you to get up to $100 cash.

  • Advantage ATMs:  Using an Advantage ATM ensures you will not be charged for a cash withdrawal.  
  • Allpoint ATMs:  As a M-O FCU debit card holder you have access to over 55,000 ATMs throughout the United States, Canada, Mexico, Puerto Rico, United Kingdom, and Australia for only $1 per ATM transaction.  43,000 of which are in the United States in retail locations such as Target, CVS, Walgreens, 7 Eleven, Costco, Safeway, etc.  Just look for the Allpoint logo on the ATM.  

Check Blank Ordering

Currently you are able to order check blanks from 2 different companies.  Both companies offer a good quality product with built in security features.  You can mail in your check reorder sheet that comes with your checks, drop it off at either of our locations, call in, or order online.  There are also other products like labels, stamps, covers, deposit tickets, etc. that can be ordered.  Below outlines some of the main differences between the two companies:

 Checks For Less:  Main Street:
  • 10 check designs
  • 200 Singles ~ $11.60
  • 150 Duplicates ~ $13.73
  • Online ordering or through M-O FCU employee
  • 40 check designs
  • 120 Singles ~ $19.40
  • 120 Duplicates ~ $20.45
  • Online ordering or through M-O FCU employee

* CHANGES?  The online ordering for both companies is meant to be used if you have NO changes to make to your reorder.  If you need to change your address, phone number, name or other information, please contact an M-O FCU employee for your check reorder.

 

Overdraft Protection

broken piggy bank with coinsOverdraft Protection is coverage on your checking in the event your account is overdrawn.  It is a loan that is issued to cover your purchases that keeps you from being charged an overdraft fee or transfer.  Funds are advanced in $50 increments up to your approved limit ($1,000 maximum)*.  

You have the ability to transfer funds from your Overdraft Protection into your checking if you know you need more 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 the available limit, even if that amount is less than $50.

Payments of $30 will be automatically withdrawn from your checking account on the 15th of each month.  If you would like to pay down/off your Overdraft Protection balance sooner, you are able to make additional and/or larger payments. 

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.

* Additional overdrafts will be subject to M-O FCU's overdraft policy.

Calculators

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Member Benefits

Loan Specials

  • Vehicle Loans starting at 3.49% APR*
  • Holiday Loan Special rates as low as 5.00% APR*

* annual percentage rate

View Loan Rates

Certificate Special

  • 28 Month @ 2.75% APR*

*annual percentage rate

View CD Rates

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