Skip to Main Content
Members Choice WV Federal Credit Union
NTouch24    ATM Locations    Calculators    Contact Us    Facebook

Where you’ve made the right choice!

Menu
  • Home Icon
  • About Us / Membership
    • About Us
    • Membership
    • FAQs
    • Notices
    • Disclosures
    • Close
  • Online Services
    • Menu ArrowNTouch24
      • Online Bill Pay
      • Popmoney
      • Credit Sense
      • Close
    • Menu ArrowMobile Services
      • Menu ArrowMCWV App
        • Mobile Deposit
        • Close
      • Mobile Payments
      • Close
    • Check Reordering
    • Online Forms
    • Online Applications
    • Calculators
    • Quick Links
    • Close
  • Products / Services
    • Menu ArrowProducts
      • Menu ArrowSavings Accounts
        • Youth Accounts
        • Close
      • Menu ArrowChecking Accounts
        • Debit Cards
        • Close
      • Business Accounts
      • Savings Rates
      • Loans
      • Close
    • Menu ArrowServices
      • Online Services
      • Electronic Services
      • Insurance Services
      • Other Services
      • Fee Schedule
      • Close
    • Close
  • Lending Services
    • Menu ArrowAuto Loans
      • Route 66 Coverage
      • Close
    • Credit Cards
    • Home Loans
    • Personal Loans
    • Student Loans
    • Business Loans
    • Loan Specials
    • Loan Rates
    • Payment Protection
    • Close
  • What’s New!
    • Software Update
    • Our 2 Cents
    • Menu ArrowCredit Union News
      • Quarterly Newsletters
      • Advocacy
      • Close
    • Loan Specials
    • Credit Union Events
    • MCWV FCU Scholarship
    • Our Community
    • Menu ArrowVideos
      • Member of the Month
      • Close
    • Close
  • Contact MCWV
    • Departmental Listing
    • Holiday Closings
    • ATM Locations
    • Feedback
    • Close

Products

Checking Accounts

Checking

We offer a Share Draft (Checking) Account structured for members who would like the convenience of writing checks, or would like to utilize our Online Bill Pay service. A $50.00 deposit, which is available for immediate use, is all that is required to open a Checking Account.

Our Checking Account includes:

  • No minimum balance
  • No monthly service fee
  • Free Visa® Debit Card
  • Overdraft Services
  • Interest paid monthly on balance over $1,000.00

Protecting Yourself from Overdraft and Bounced-Check Fees


Overdraft Services
  • Overdraft Protection
  • Overdraft Advance Courtesy Pay
  • Courtesy Pay – ATM & one-time Debit Card Transactions
  • Disclosures

Overdraft Protection

Overdraft Protection is an overdraft service that you may elect into which allows your Share Draft (Checking) Account to be linked to your Share (Savings) Account, so that if your Checking Account overdraws, the funds may be transferred from your Savings Account to cover the transaction in your Checking Account for a $5.00 fee per transaction. If you are elected into Overdraft Protection, Courtesy Pay will only take effect if funds are not available to transfer through your Overdraft Protection.

You may elect into Overdraft Protection by selecting the “opt in” option of the “Overdraft Protection” section of the Overdraft Services Elections Form and returning it to the credit union at your earliest convenience. You have the option to opt out of the Overdraft Protection service at any time by selecting the “opt out” option of the “Overdraft Protection” section of the Overdraft Services Elections Form and returning it to the credit union.

View full Fee Schedule.

Overdraft Advance Courtesy Pay

For a small $25.00 fee per transaction, “Courtesy Pay” will ensure your checks do not bounce and that your ACH payments are paid up to a $300.00 limit. Courtesy Pay for ATM and one-time Debit Card transactions is available as well, but requires a separate opt in.

No action is required to opt in for Courtesy Pay; eligible users will automatically be enrolled. Please note: Not all members will be eligible for Courtesy Pay.

To qualify for Courtesy Pay, the following criteria must be met:

  • 18 years of age or older
  • A Share Draft (Checking) Account open for at least 90 days
  • Direct deposit of at least $300.00 per month
  • All accounts (including loans) must remain in good standing
  • Share Draft (Checking) Account may not be negative for more than 30 days

You have the option to opt out of the Courtesy Pay service at any time by selecting the “opt out” option of the “Overdraft Advance Courtesy Pay Service” section of the Overdraft Services Elections Form and returning it to the credit union.

View full Fee Schedule.

Courtesy Pay – ATM & one-time Debit Card Transactions

All financial institutions are required to obtain an opt in form from account holders in order for overdraft services such as Courtesy Pay to be available for ATM and one-time Debit Card transactions. If you wish for Courtesy Pay to also apply to your ATM and one-time Debit Card transactions, please select the “opt in” option of the “ATM and one-time Debit Card Transactions Authorization” section of the Overdraft Services Elections Form and return it to the credit union at your earliest convenience.

If you do not elect to opt in for ATM and one-time Debit Card Transactions by selecting the opt in option of the “ATM and one-time Debit Card Transactions Authorization” section of the Overdraft Services Elections Form, Courtesy Pay will not apply to your ATM and one-time Debit Card transactions. Reoccurring Debit Card transactions (e.g. monthly service payments such as Netflix) do not require a separate opt in and will be automatically included with Courtesy Pay.

Please note: If you do not qualify for Courtesy Pay per the guidelines listed within the Courtesy Pay section, the Courtesy Pay service will not apply to ATM and one-time Debit Card transactions even if you have selected the opt in option of the “ATM and one-time Debit Card Transactions Authorization” section of the Overdraft Services Elections Form.

You have the option to opt in or opt out of ATM and one-time Debit Card transactions at any time as part of your Courtesy Pay service by coming to the credit union and making your selection within the “ATM and one-time Debit Card Transactions Authorization” section of the Overdraft Services Elections Form.

View full Fee Schedule.

Disclosures

Along with offering Overdraft Services, we like to make certain disclosures available to you. These disclosures include the Electronic Fund Transfers Agreement and Disclosure, the Truth-in-Savings Disclosure (Large Dividend Bearing Savings & Transaction Accounts) and accompanying Fee Schedule.

You may locate these disclosures here, or by visiting the credit union.

More Products …
  • Products
  • Savings Accounts
  • Youth Accounts
  • Checking Accounts
  • Debit Cards
  • Business Accounts
  • Savings Rates
  • Loans




Top

Members Choice WV Federal Credit Union
©Copyright 2021
Members Choice WV Federal Credit Union
All rights reserved.

Routing #: 251983798

View our Privacy Policy

If you are using a screen reader and are having problems using this website, please call (304) 346-5242 or (800) 526-5242 for assistance.
Website Accessibility Statement.

Site design & hosting:
VolCorp Design
Equal Housing Lender


Federally Insured by the NCUA.

Contact Us

Street Address:
201 Ohio Ave.
Charleston, WV 25302

Mailing Address:
Members Choice WV FCU
PO Box 20040
Charleston, WV 25362-104

Phone:
(304) 346-5242
1 (800) 526-5242
Fax: (304) 346-5266

Business Hours:
Lobby:
Mon, Tues, Wed, Fri: 9:00am - 4:00pm
Thursday: 9:00am - 6:00pm

Drive-Thru:
Mon, Tues, Wed, Fri: 8:00am - 4:45pm
Thursday: 8:00am - 6:00pm
Members Choice WV Federal Credit Union

Routing #

251983798

©Copyright 2021
Members Choice WV
Federal Credit Union

All rights reserved.

View our Privacy Policy

If you are using a screen reader and are having problems using this website, please call (304) 346-5242 or (800) 526-5242 for assistance.

Website Accessibility Statement.

This site created and hosted by:
VolCorp Design

Lost/Stolen Cards

Credit Card
Call: (304) 346-5242, option 4

Debit Card
Call: (304) 346-5242, option 5
followed by option 1

Dial-A-Teller
(304) 343-4011
(304) 343-4027
(866) 700-4416

Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Your savings federally insured to at least $250,000 by the National Credit Union Administration.