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We put our
members first

Our members and their needs are our first priority.

Overdraft Protection

Overdraft Protection

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

Business Accounts: Our business accounts are also eligible to apply for Overdraft Protection.  Funds are advanced in $50 increments and have a maximum limit of $5,000, upon credit approval.

Application:  Click here for an Overdraft Protection application.

Transfers:  You can easily transfer funds from your Overdraft Protection into your checking or savings account.  For example, if you have a purchase or automatic payment scheduled but not enough funds in your account, you can utilize your Overdraft Protection, as long as you have available funds.  The system will transfer funds in increments of $50 to cover items that are clearing your checking account.  However, you can transfer any amount, up to your available limit.  You can visit us in person or call for assistance with the transfer, or if you have Online or Mobile Banking access, you can complete the transfer yourself.

Payments:  Payments of $30 are automatically withdrawn from your checking account on the 15th of each month.  

Notice Delivery:  All overdraft notices are delivered via text message or email message.  Please call if you have not registered to receive notices.  These notices include overdraft and share transfer, as well as certificate renewal notices.

Disclosure:  click here

 

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

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Member Benefits

Back-to-School Loan Specials

  • Vehicle Loan Special 
  •   6.25% for 65 months
  • Signature Loan Special
  •   7.25% for 15 months

* annual percentage rate

View Loan Rates

Certificate Specials

  • no special at this time

*annual percentage rate

View CD Rates

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