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All MCCU locations will be closed on Monday, May 27th in observance of Memorial Day. We’ll return to our normal hours on Tuesday, May 28th.

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Checking and Debit Accounts

Checking General Information

We Have What You Need!

Nearly everyone has a checking account to manage money and pay bills. At Marion Community Credit Union, we believe you should have more. Much more. Ask your Marion Community Credit Union Member Services Representative for more information on any of our checking account options below.

 

Regular Checking Account

Do you want a low-cost account with basic benefits?

Basic Checking

Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card and e-statement.

No monthly fee with the enrollment of e-statements.*
*$2 monthly paper statement fee will be waived for those age 60 and older and younger than age 20.

 

Penny Pincher Checking Account

Do you have a cell phone or look for deals when you shop?

Plus Checking

Benefits you'll use.

Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card and e-statement.

Shop local, save local with BaZing savings
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.

Cell phone protection
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

ID theft aid
Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.

Roadside assistance
Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel accidental death coverage
Peace of mind for the unexpected.

Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.

Only $5 per month.

 

 

Senior Checking

Do you maintain a minimum balance of $500 in your account?

Premium Checking

Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card and e-statement.

Shop local, save local with BaZing savings
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.

Cell phone protection
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

ID theft aid
Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.

Roadside assistance
Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel accidental death coverage
Peace of mind for the unexpected.

Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.

Great interest on your checking balance
You can earn our best checking rate.

Maintain a $500 minimum balance, and we'll waive the $7 monthly fee. Earn 3.00% APY* (up to $10,000) when you meet these easy monthly qualifications:

  • At least 15 debit card purchases
  • Receive a direct deposit
  • Receive e-statements

Don't worry. If you don't meet all 3 qualifications, you still receive 0.08% APY and can try again the next month.

*APY = Annual Percentage Yield. Balances over $10,000 receive 0.08% APY regardless of monthly qualifications.
1Cell phone protection and personal identity protection are subject to additional terms and conditions.
2Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.

 

 

  Money Market Checking
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Money Market Checking

Money Market Checking Account gives you a higher dividend rate than on a traditional savings account without having to tie it up in a certificate to earn more. You can also receive the ease of access of a checking account if you wish to order checks for this account.

Account Requirements:

  • $1,000.00 minimum balance must be maintained at all times to earn dividends and if your account balance falls below $1,000.00, a $10.00 draft service charge will be applied on the last day of the month .
  • $250.00 minimum withdrawal.
  • Accounts closed prior to the end of the month will forfeit accrued dividends.

You will receive a monthly dividend paid the last day of each month based on your account balance. Dividend rates may change weekly. We will send you a monthly statement showing all account balances and activity. This is a non-transaction account, so no automatic electronic debits can be made to this account.

To open an account, just stop in today!

 

All MCCU checking accounts are now eligible for online account access. Stop in either branch or call us today at 740-389-9960 to sign-up to access your account online. Bank online today!

ATM/Debt Card

ATM Debit Card

Our ATM and debit cards can give you the freedom to access your money virtually anywhere! You can use your cards at any ATM displaying the Cirrus, Fastbank or Pulse logos - that virtually world-wide access!

Locate an ATM

Avoid paying surcharges at other financial institution’s ATM machines by getting yourself extra cash when you make a purchase using your ATM or Debit card.

You can also get cash at most stores that accept debit cards by indicating “Yes” when the pin pad asks if you would like extra cash. In most cases it will then allow you to select a desired amount. You will not be charged extra for this service.

 

Enhanced protections

Enhanced Protections

Use your MCCU Debit card for purchasing and your purchases will have enhanced protections: Price Protection, Extended Warranty, and Satisfaction Guarantee

Extended Warranty Insurance*

Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.

Price Protection*

If you find a lower price within 60 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

Satisfaction Guarantee*

Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.

*Certain restrictions, terms, and conditions apply. Click on the service for complete details.

 

IMPORTANT ATM/DEBIT CARD NUMBERS

Lost / Stolen Debit Card: 740-389-9960 (MCCU) or 1-800-264-5578 (After Hours)

Debit Card Charge Dispute: 740-389-9960 (MCCU) or 1-866-987-1457 (After Hours)

 

Overdraft protection

Overdraft Protection (E-Z Advance)

We strive to find new and better ways to meet all our members’ financial needs.

It is not unusual for people to find themselves facing a cash shortfall due to a mistake in their checkbook or an unexpected bill. If you have ever accidentally bounced a check, you already know, in addition to the embarrassment, you also face merchant fees, the inconvenience of returning to the merchant to correct the error, and the potential negative effect on your credit rating.

Your credit union understands, and this is why we are introduced our E-Z ADVANCE program. It is automatically available to most of our share draft checking accountholders – Some restrictions do apply. It is a non-contractual courtesy and requires no action on your part to enroll. It costs nothing unless you use it. With E-Z ADVANCE, our intent is to provide you with some additional peace of mind in knowing you have a resource available in case you need it. Your financial transactions (checks, Debit card purchases and automated debit transactions) may be honored up to your limit of $500, as long as you maintain your credit union accounts in good standing. If you overdraw your account, Marion Community Credit Union may choose pay the item and charge your account our standard $30 non-sufficient funds fee rather than return it for non-sufficient funds.

We believe E-Z ADVANCE is one more way we can help you meet unexpected financial needs. If you wish to “OPT OUT” of E-Z ADVANCE please notify this office at 740/389-9960. We look forward to continuing to serve you.

 

  Reorder paper checks

Re-Order Checks Online

You can reorder your paper checks online directly from Main Street. Please have an existing check ready, as you will need information from it.

Reorder Online  

 

 

 

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