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OVERDRAFT LINE OF CREDIT
Unlock Peace of Mind
An active Share Account is required to open an Everyday Hero Checking account. *Co-Op Network surcharge-free ATMs must show CO-OP ATM logo. ATM transactions made outside of MCU ATM network or CO-OP ATM Network may be subject to fees. Please visit our online ATM Locator for a list of surcharge-free ATMs.
Experience Peace of Mind with Your Overdraft Line of Credit
All you need to get started today is an existing checking account—there’s no fee to apply.
Get Up to $2,000 in Overdraft Protection When You Need It
Only Pay Interest on the Amount of Credit Line Used
Pay without Surprises – 17.90% Fixed Rate
How an Overdraft Line of Credit Works for You
It’s easy to lose track of your checking account balance – it happens to the best of us! That’s where MCU’s Overdraft Line of Credit comes in.
Linking your checking account to an Overdraft Line of Credit provides a safeguard against fees due to insufficient funds, ensuring your checks clear, your debit card transactions go through, and you stay on top of your payments. This short-term borrowing option covers pending bank transactions if there is not enough money in your checking account.
(Up to $2,000)
Easy-to-Use Checking That’s Anything but Basic
Find a checking option that makes sense for your financial goals.
Everyday Hero Account
- No monthly service fees
- No minimum balance fee
- Access to over 30,000 fee-free ATMs nationwide
- Bank on-the-go with NYMCU Digital and the NYMCU mobile app, rated 4.8 in the App Store
- Get paid up to 2 days early with direct deposit
- No hidden fees
Open your FREE Everyday Hero Account now for banking tailored to your needs!
Basic Share Draft
- Access to over 30,000 fee-free ATMs nationwide
- Get paid up to 2 days early with direct deposit
- Bank on-the-go with NYMCU Digital and the NYMCU mobile app, rated 4.8 in the App Store
- No Minimum Deposit
- No hidden fees
Open a Basic Share Draft Account today and take control of your finances!
MCU² Student Banking
- No minimum deposit
- No surprise fees
- Bank on-the-go with NYMCU Digital and the NYMCU mobile app, rated 4.8 in the App Store
- Access to over 30,000 fee-free ATMs nationwide
College students, ages 17-24, start your path to financial success by opening an MCU² Student Banking account today!
NOTE: A qualified guarantor who is a parent or legal guardian is required for individuals under the age of 18.
Empower Your Financial Future with MCU’s Dedicated Support
No matter where you are in life or what goals you’re working toward, MCU is here for you. We offer educational resources, reliable banking products, and personalized service, all designed to help you build an exceptional financial future. Explore our range of services to start taking charge of your financial journey today.
