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Member Advantage Levels

The Member Advantage Program

Four levels are available — one is right for you. Our checking accounts have a distinct advantage for members: The more you put in, the more you get out. We call it the Member Advantage Program. And it’s based on your combined primary accounts. For example, your loan and deposit balances are added together under a single account number. So the more you invest, the more low-cost or potentially no-cost advantages you get.

Choose your member advantage program level.

Choose the level that meets your goals. Full disclosures for each product and service are available at Policies & Disclosures.

Ultra Advantage Level

The Ultra Advantage Level is available for those of you who want the most “bang for your buck”! You choose to rely on MCU to help you manage all of your deposits and loans — and therefore, you get all the good stuff.

The Ultra Advantage Level requires a primary account relationship of $25,000 or more — calculated each month end by adding the monthly average daily balance for deposits, plus the end-of-the-month balance for loans not delinquent. If the account relationship balance drops below $25,000, you still receive all the advantages below for only $12.00 per month.

ACCOUNT FEATURES: COST:
Deposit Advantages
Savings – free with only $0.01 minimum balance FREE
IRA Second Account Option
Other deposit products with competitive rates
Checking Advantages (With approved credit – some restrictions may apply.)
Ultra Checking – reverse tier interest-bearing checking account — The first $0.01 – $1,000 (based on average daily balance) will earn a premium interest rate. Balances above $1,000 earn the current interest rate. Rates are subject to change at any time. FREE
Second Ultra Checking account (restrictions apply) FREE
Check Orders Selection Price
Overdraft Protection – for both Ultra Checking accounts – transfers from line of credit, savings
Courtesy Pay per checking account up to $600
$23.00/Item
VISA Debit Card – no transaction fees and daily limit is $2,000 for each Ultra Checking FREE
Loan Advantages (With approved credit – some restrictions may apply.)
Installment loans – current low rates and Reward Program
Mortgage loans – current low rates
Home Equity Line of Credit – no closing costs
Other loan products – current low rates
Automated Advantages
BillPayer FREE
Call24 FREE
CO-OP ATMs (no surcharge) FREE
e-Statements FREE
MCU ATMs FREE
mcu@home (internet banking) FREE
Mobile Banking FREE
Other Features
Fax, email, or phone transfers (excludes Call24) FREE
Money Orders FREE
Nonsufficient Funds (NSF), Returned Checks and Stop Payment fees $23.00 each
Official Checks FREE
Paper Statement (excludes end-of-the-year mailing) $2.00/month
Replacement Card – Debit $5.00
Safe Deposit Box Price varies per size
Shared Branch Transaction FREE
Teller Cash Back FREE
Temporary Checks – with $100.00 minimum balance 4 for $1.00

 

Plus Advantage Level

The Plus Advantage Level is the first level where you get some of the extra good stuff with a smaller account relationship. The Plus Advantage Level requires a primary account relationship of $2,500 or more — calculated each month end by adding the monthly average daily balance for deposits, plus the end-of-the-month balance for loans not delinquent. If the account relationship balance drops below $2,500, you still receive all the advantages below for only $7.00 per month.

ACCOUNT FEATURES: COST:
Deposit Advantages
Savings – free with only $0.01 minimum balance FREE
IRA Second Account Option
Other deposit products with competitive rates
Checking Advantages (With approved credit – some restrictions may apply.)
Checking Plus checking account – the average daily balance above $1,000 will earn the current interest rate. FREE
Second Ultra Checking account (restrictions apply) FREE
Check Orders Selection Price
Overdraft Protection – for both Checking Plus accounts – transfers from line of credit, savings
Courtesy Pay per checking account up to $400
$25.00/Item
VISA Debit Card – no transaction fees and daily limit is $1,500 for each Checking Plus FREE
Loan Advantages (With approved credit – some restrictions may apply.)
Installment loans – current low rates and Reward Program
Mortgage loans – current low rates
Home Equity Line of Credit – no closing costs
Other loan products – current low rates
Automated Advantages
BillPayer (if used; FREE with e-Statement) $2.95/Month
Call24 FREE
CO-OP ATMs (no surcharge) FREE
e-Statements FREE
MCU ATMs FREE
mcu@home (internet banking) FREE
Mobile Banking (if used; FREE with e-Statement) $1.00/Month
Other Features
Fax, email, or phone transfers (excludes Call24) $1.00 each
Money Orders $1.00 each
Nonsufficient Funds (NSF), Returned Checks and Stop Payment fees $25.00 each
Official Checks $1.00 each
Paper Statement (excludes end-of-the-year mailing) $2.00/month
Replacement Card – Debit $5.00
Safe Deposit Box Price varies per size
Shared Branch Transaction FREE
Teller Cash Back FREE
Temporary Checks – with $100.00 minimum balance 4 for $1.00

 

e-Connect Advantage Level

e-Connect Advantage Level is for people who are on the go. It has everything you need to manage your money electronically 24/7. The e-Connect Advantage Level only requires a primary account relationship of $0.01. You receive all the advantages below with no monthly fee.

ACCOUNT FEATURES: COST:
Deposit Advantages
Savings – free with only $0.01 minimum balance FREE
Other deposit products with competitive rates
Checking Advantages (With approved credit – some restrictions may apply.)
e-Connect Checking (all transactions done electronically)
— no minimum balance requirement
— no monthly maintenance fee
— $1.00per paper check fee
FREE

$1.00/check

VISA Debit Card – no transaction fees and daily limit is $1,000 FREE
Loan Advantages (With approved credit – some restrictions may apply.)
Installment loans (secured by a title) – current low rates
Automated Advantages
BillPayer FREE
Call24 FREE
CO-OP ATMs (no surcharge) FREE
e-Statements FREE
MCU ATMs FREE
mcu@home (internet banking) FREE
Mobile Banking FREE
Other Features
FAX, e-Mail, or phone transfers (excludes Call24) $2.00 each
Money Orders $1.00 each
Non-Sufficient Funds (NSF), Returned Checks and Stop Payment fees $27.00 each
Official Checks $1.00 each
Paper Statement (excludes end-of-the-year mailing) NA
Replacement Card – Debit $5.00
Shared Branch Transaction (each transaction) $2.00
Teller Transaction (includes mail-in and night drop transactions) $1.00
Temporary Checks – with $100.00 minimum balance 4 for $2.00

 

Smart Start Advantage Level

The Smart Start Advantage Level is an account which gets you off to the right start for free and only requires a primary account relationship of $0.01. You receive all the advantages below with no monthly fee.

ACCOUNT FEATURES: COST:
Deposit Advantages
Savings – free with only $0.01 minimum balance FREE
Checking Advantages (With approved credit – some restrictions may apply.)
Smart Start Checking
— no minimum balance requirement
— no monthly maintenance fee
— no per check charge
FREE

 

VISA Debit Card $1.00/card/month
Checks (per box) Selection Price
Loan Advantages (With approved credit – some restrictions may apply.)
Installment loans (secured by a title) – current low rates
Automated Advantages
BillPayer (if used) $2.95/Month
Call24 FREE
CO-OP ATMs (no surcharge) FREE
e-Statements FREE
MCU ATMs FREE
mcu@home (internet banking) FREE
Mobile Banking (if used) $1.00/Month
Other Features
FAX, e-Mail, or phone transfers (excludes Call24) $2.00 each
Money Orders $1.00 each
Non-Sufficient Funds (NSF), Returned Checks and Stop Payment fees $27.00 each
Official Checks $1.00 each
Paper Statement (excludes end-of-the-year mailing) $2.00/Month
Shared Branch Transaction (each transaction) $2.00
Teller Cash Back FREE
Temporary Checks – with $100.00 minimum balance 4 for $2.00

Revised on August 14, 2017