Advantages of Credit Union Checking

Our Checking account offers more than you expect! Compare the many great features MWRD offers with your current checking account.

• Convenient 24/7/365 access via Online Banking and Audio Response
• Bill Payment service
• No “per check” fees and no minimum balance
• First 150 duplicate checks FREE
• Overdraft Payment Transfers from Savings
• Overdraft Courtesy Pay available, to back your Payment Transfer from Savings
• Access to your Checking account funds with convenient ATM cards
• Direct Deposit or Payroll Deduction
• Re-order checks online

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Overdraft Courtesy Pay

Due to an emergency, addition error, or scheduling change in your finances, if your account inadvertently becomes overdrawn, Overdraft Courtesy Pay may provide you protection from the embarrassment and additional fees of returned merchant payments. Overdraft Courtesy Pay is a non-contractual agreement*-in addition to your current overdraft protection from savings transfers-extended to members age 18+ in good standing, covering overdrafts on your account up to $300. If insufficient funds are available to cover a payment** (share draft, ACH item, bill pay item, etc.), we will activate the Overdraft Courtesy Pay service. We will cover the payment, notify you and apply an insufficient fund fee of $30 for each transaction that we honor. You will avoid any fee the payee might have charged you for a returned item, in addition to keeping your good reputation intact. You do not need to sign any paperwork for this service-it is already activated on qualifying accounts. Your responsibility is simply to correct any balance deficiency as quickly as possible.

Count on us-not the payday lenders. Payday loans-which many consumers see as a quick fix when money is tight-are rarely a helpful solution. Because of the incredibly high interest rates-some as high as 700%-repaying a small loan quickly becomes a major headache. Overdraft Courtesy Pay offers protection for your payments when cash flow is tight, and though we charge an insufficient funds fee, there is no accumulating interest, because it is not a loan.

*MWRD ECU is not obligated to cover any overdraft payment, and cannot be held liable for any reason if Overdraft Courtesy Pay is not activated for any single payment. This service may be discontinued at any time with or without cause or notice to any individual member. You may opt out of this program at any time by notifying the credit union in writing.
**Overdraft Courtesy Pay is not available on ATM transactions.