MMFCU offers an Overdraft Privilege Program to help prevent declined transactions when funds are insufficient. Eligible members can receive overdraft coverage up to $500, with a $25 fee per overdrafted item (or $10 if the overdraft is less than $25). Members can request an annual refund of up to $50 in overdraft fees.

Overdrafts must be repaid within 30 days to maintain the privilege. If an account remains negative beyond 45 days, it may be closed, and after 60 days, it will be charged off. Financial counseling is available for members who frequently use overdraft services.

To qualify, members must be in good standing, meaning:

· Their account has been open for at least 30 days.

· They are not delinquent on any loans (over 30 days).

· They do not have a history of excessive overdrafts.

· They have not caused a financial loss to MMFCU.

Members must opt-in to overdraft coverage for ATM and debit card transactions and can opt-out at any time. MMFCU will notify members of overdraft policies and fees.

Minors are not eligible for overdraft privileges.

If you have any questions or need financial assistance, please contact us at [email protected]