At Members Trust, you aren’t “just another person.” We know that your business needs are unique so we’ve got a variety of checking accounts tailored to meet your specific needs.
All checking accounts feature:
- No per check fees and unlimited check writing
- FREE Online Account Access via NetBranch
- FREE Online Bill Pay
- Visa Check Card (with approval)
- Optional Overdraft Protection (from savings)
- Overdraft Privilege (with approval)
Members Trust Federal Credit Union is proud to provide Free Checking to our members. It’s absolutely free - zero, zilch, nada! With a Members Trust Free Checking account, you’ll also enjoy the following benefits:
- No minimum balance requirements
- No monthly service charges
- No per check fees
- Unlimited check writing
Having money is a good thing. Having money in a Members Trust Dividend Checking Account is even better. A Dividend Checking Account will let you keep a flexible cash flow, all while earning high dividend rates. Much like a savings account, your Members Trust Dividend Checking Account is designed to help you save because you’ll earn dividends on average daily balances of $1,000 or more.
Overdraft Services
With Members Trust Overdraft Services, you know that your transactions will be covered. We offer two overdraft services to help you manage your checking account. Both services are optional and there are no enrollment fees. If you are enrolled in both services, we will use Overdraft Protection first, which has a lower fee, to cover your overdraft.
Overdraft Protection
With Overdraft Protection, we will automatically transfer available funds from your selected Members Trust account to cover your transaction if you don’t have enough money in your checking account. There is no fee to sign up for Overdraft Protection and a single Overdraft Protection transfer fee would be charged, only when we transfer funds. See our current fee schedule for the current Overdraft Protection fee. Overdraft Protection provides the extra peace of mind for your checking account.
Overdraft Privilege
As a benefit to our members, we offer a useful feature on our Checking accounts - Overdraft Privilege. With Overdraft Privilege, we will pay your non-sufficient funds (NSF) checks, ACH transactions (and optional check card transactions) and fees up to a preapproved limit. There is a set fee per overdraft item but this service saves you time, embarrassment, and the additional fees charged by many other companies. Overdraft Privilege is available to members with accounts in good standing and available limit on their Overdraft Privilege option. Members are required to restore a positive balance in their checking account, within 45 days or the account will be closed and sent for collection.