Yes. For all accounts, the amount of the early withdrawal penalty for your account is 90 days dividends. It applies whether or not the dividends have been earned.

Yes. We can mail you a check or transfer it to your share or share draft account at the Credit Union monthly or quarterly.

It is not necessary; but, if a second name is listed, we need their Name, Address, Social Security Number, Birth-date and Phone Number.

There is no minimum balance required for a checking account.

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We offer variable IRA Savings for that purpose. The money can be transferred from your share account to the IRA on a weekly, bi-weekly, semi-monthly or monthly basis for current year contributions.

The government has allowed those over 50 to make a “catch-up” contribution of $1,000.00 in addition to the annual contribution of $5,000.00.

An Individual Retirement Account is a special savings plan authorized by the Federal Government to help you accumulate funds for your retirement.

No. You can access your account via virtual branch or coming into one of our branches; or, by calling the office.

There will be a charge of $5.00 per withdraw after three (3) free per month.

The account will be closed and the balance transferred to the primary share account.

Yes. The Savings/Share Account is your primary membership account. It must be opened before opening other accounts.

A $5.00 minimum deposit is required to open a savings account.

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Your Debit Card can be used to make purchases anywhere MasterCard is accepted or at any ATM machine (Check the back of your card for available Networks)

Yes you can. You are able to use your card anywhere MasterCard or any of the other networks listed on the back of the card are accepted. Please notify the Credit Union of the dates of when and where you will be traveling. That way we are aware and your card will not be restricted because of possible fraud.

Yes. Any ATM that has the symbol “CU$” is surcharge free. See ATM Locator Although there is no surcharge, each transaction counts against your ten (10) free transactions each month. See Fee Schedule

1-800-528-2273. If customer service can not locate your card number, please make them aware that they need to locate our Credit Union as M dash C Federal Credit Union.

No. At this time the PIN is system generated.

No. Once a merchant has gotten an authorization, a hold for that amount is placed on your account. The amount will then be debited.

No. There are two separate links, one for the debit card and one for the credit card. Be sure to complete the correct form for each type of card that you would like to register.

Click on the link for SecureCode and complete the registration process. Be sure to record your user name and password that you have chosen for future reference.

MasterCard SecureCode adds security to purchases made online with participating merchants.

A PIN is issued for each card so you have the added convenience of doing a cash advance at ATM machines worldwide.

Yes. You will earn one (1) point for every dollar spent using your M-C Federal Credit Union Platinum MasterCard. (Cash advances, convenience checks and finance charges do not apply).

No. M-C Federal Credit Union does not charge an annual fee.

Contact customer service at 1-866-271-6649 for questions concerning your bill or to dispute an item.

Call 1-866-271-6649 to report a credit card lost or stolen.

There is no cost. Membership in Rewards! is absolutely free for M-C Federal Credit Union cardholders.

Yes, all cards within an account automatically earn points together. In addition, if you have multiple credit accounts with M-C Federal Credit Union, you can link them together to earn rewards faster.

Everywhere your card is accepted and you can earn up to 5 x points by shopping at participating retailers in Perks!Mall.

You earn points every time you sign for your purchases and additional points for shopping at participation retailers or online through. When shopping in-store, select credit and sign for your purchases.

A rewards program where you earn points every time you use your M-C Federal Credit Union Platinum MasterCard and sign for your purchases.

Earn Points on your everyday purchase! Redeem Merchandise, A Vacation Getaway, a A Sky Diving Trip, or simply select from hundreds of Gift Cards choices!

Any collateral securing a loan with the credit union, excluding your primary residence, may secure other loans you receive from the credit union including any credit card loan.

$500.00 is the maximum for each deductible

Yes, there is additional documentation that is required.

Our auto insurance is tracked by Support Insurance Systems, the insurance should be sent directly to them at: M-C Federal Credit Union Insurance Center, PO Box 292499, Dayton, OH 45429

Yes

Generally the fees are less than $600.00.

We must document the value of your home.

$300,000.00

Yes, that falls under our business loan portfolio and there are additional terms.

The credit union requires 20% down.

Any collateral securing a loan with the credit union, excluding your primary residence, may secure other loans you receive from the credit union including any credit card loan.

You will have a credit limit established for you and you can borrow up to the limit as needed. As you make your payments you are replenishing the credit limit for future use.

60 months

Please contact your school’s Financial Aid Office regarding student loans.

Under alerts options you can set up an alert to remind you if the transfer you requested has expired. When transfer is due to expire you will receive an alert at log on as chosen to remind you of this expired transfer. At this time you can set up a continuing transfer if wanted.

You can review, change or cancel a transfer at any time. If the transfer is scheduled for the current day, the change or cancellation must be done before daily settlement time (2PM Eastern Time). The system displays an error message if you attempt to modify a transfer after this deadline has passed.

You can set up automatic transfers of the same amount so you do not have to re-enter them each month.

Confirmation numbers are provided for all confirmed or modified transfers. This is your assurance that a transfer will be processed. It is also a reference number that can be used for requesting research.

Allowed transfers may vary based on the rules for your account types. Some transfers are not allowed, such as a transfer to or from a CD.  Savings accounts are monitored by Regulation D and are limited to 6 electronic or phone transfers out of the account per month.

One-time transfers always occur on the date you designate. Recurring transfers are scheduled transfers set up to happen on the same day or date each month (for example: each 15^th). If one of these recurring dates falls on a non-business day (such as a weekend or Federal holiday), the transfer is processed on the preceding business day.

Three kinds of transfers are available:

Immediate – A transfer that is attempted immediately.

One-time – A transfer that is made on the date you specify.

Automatic – A recurring transfer that occurs at your specified frequency until the date you indicate.

You can see your current balance, as well as some general information. This information varies depending on the type of accounts you have. You may see the maturity date of a CD or the debit card holds on a checking account.

You can perform account inquiries (including balances and additional information), view account history and transfer funds between accounts. Set up alerts and reorder checks. All of your available options are listed throughout the tab options.

You will need to contact an office and have a member service representative ask for access to that account. Once you are approved that account will show up in your accounts. You will need to configure your ‘My Accounts’ widget to see all accounts on the ‘my online banking’ screen.

Yes, the system has a download feature. However with OFM on our online banking system you can track your spending, savings along with creating goals and budgets to follow all within our online banking system without the added expense of the purchase of software.

The User ID is required to be 6 -12 alphanumeric characters, with a minimum of 1 letters and 1 numbers. Special characters are not allowed.

You may change your User ID at any time when logged on by selecting Options/Personal on the menu tabs.

The password is required to be 6 -12 alphanumeric characters, with a minimum of 1 letter and 1 number. Special characters are not allowed. We recommend that you change your password regularly.

Select Options/Personal from the menu tabs. You will have to type one of your reset questions and answer. Enter your old password and the new one. You are required to enter the new password twice for verification.

To indicate when you want to receive an email, select Options/ Alerts. On this screen you can choose which incidents should generate an email. When receiving a reply from the message center you will receive and email notifying you of that automatically.

No, you may only send a secure message to us.

When you select Send Message from the message widget, a New Message box is presented. Type your subject and message content and click submit. You can also get to the message center by the Contact link.

Yes, a Cashier’s Check is one in which funds are drawn by the Credit Union using funds directly from a member’s account. A Certified Check is when a member uses their own check and the credit union uses a stamp on the front with a certified number. The credit union will put a hold on the funds in the member’s account until the check clears the account.

See Fee Schedule

Please contact the location you dropped the night deposit. We keep records of our Night Deposit Transactions.

Yes. All night deposits loctions are secured by an alarm system

We ask that you include your account number and brief instructions on what you would like to do with your transaction and if possible please enclose into a envelope if possible.

Currently all series EE and I bonds earn interest for thirty years.

It can take up to twenty years depending on the current interest rate.

You can redeem any series EE or I bond one year after the purchase date.

No.

Cheques for Two are perfect for traveling couples and families. They offer a unique dual signature feature that allows either of you to purchase them and either of you to use them.

Call an American Express Travelers cheque Customer Service Center as soon as possible to report the loss and open a claim.

Domestic wires should be at the other financial institution within one hour of sending it. International wire transfers could take up to one week.

Most banks have a special routing number just for wire transfers, so it is always recommended that you call for special wiring instructions. M-C FCU has special instructions to receive a wire. Call an MSR today to find out!

See Fee Schedule