At Members Trust Federal Credit Union, you aren’t “just another person.” We know that all our members’ financial needs are different. Members Trust offers an assortment of checking accounts tailored to meet your specific needs.
All Members Trust Checking Accounts feature:
- No per check fees and unlimited check writing
- FREE Online Account Access via HomeCU
- FREE Online Bill Pay
- Visa Check Card (with approval on second chance checking accounts)
- Optional Overdraft Protection (from savings)
- Overdraft Privilege (with approval)
Members Trust 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 enjoy:
- No minimum balance requirements
- No monthly service charges
- No per check fees
- Unlimited check writing
- Free online account access via NetBranch
- Free Online Bill Pay
- Visa Check Card
- Optional Overdraft Protection from your savings
- Overdraft Privilege
Can’t catch a break? We know that everyone can’t be perfect all the time but we believe everyone deserves another chance. That’s why we have our New Start Checking Account. Even if you have a less than perfect banking history, this account could be the option for you! This checking account is designed for those who need a little help rebuilding credit and banking history.
- Unlimited Transactions
- We make it easy to avoid bounced checks by offering overdraft protection.
- Requires a $50 minimum, opening deposit and in 6 months, you can apply for a Visa Check Card!
Having money is a good thing. Having money in a Members Trust Federal Credit Union Dividend Checking Account is even better. Don’t know what a dividend is? A dividend is like interest, which is what you’ll earn with this account! Your 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.
Learning how to manage your finances can be tough. Student checking accounts are designed for our members age 13-22. Students ages 13-17 will need a joint signer on the account; however, students ages 18-22 are eligible to open the account on their own. This account features:
- A low opening deposit of $25
- No monthly service charge
- No minimum balance requirement
Our Advantage Plus checking is designed for our members 55+
This account features:
- A low opening deposit of $50
- No monthly service charge
- No minimum balance requirement
- Free "Custom" checks
- 50% Discount on Safe Deposit Box Rental (Stephenville Location)
- A .25% discount on approved loans
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. 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
We offer a useful feature on our Checking accounts - Overdraft Privilege - as a benefit to our members. 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.