Checking

At MidUSA Credit Union we’ve designed our checking accounts to meet your needs. Access your MidUSA CU Checking account 24 hours a day, seven days a week, via ATM, It’s Me 247 Online Banking or by phone with CU*Talk.  It’s easy to make the switch to a MidUSA checking account quickly. This Switch Kit contains a simple step-by-step outline to help you open your new account, close down your old ones, and begin enjoying all the benefits of MidUSA Credit Union checking.  All MidUSA CU deposit accounts are privately insured up to $250,000 per account by American Share Insurance (ASI). As a member of MidUSA Credit Union, you can take advantage of the following checking account options.

E-Checking

This account is perfect for members looking for a basic checking account with no monthly fee!

  • No minimum balance required1
  • Dividends: No dividends paid
  • Monthly Service Fee: None
  • Other Features: Free It’s Me 247 Online Banking access, online E-Statements2, no-charge Debit MasterCard®3 with unlimited, free transactions at MidUSA CU ATMs4.

Value Checking

The MidUSA Credit Union Value Checking account is a great fit for members who keep lower checking balances but want a “full-service” account.

  • No minimum balance required
  • Dividends: No dividends paid
  • Monthly Service Fee: $4.95
  • Other Features: Free It’s Me 247 Online Banking access, free ItsMe247 Bill Pay (a $4.95 monthly value), no-charge Debit MasterCard®3 with unlimited, free transactions at MidUSA CU, Non-MidUSA CU and Alliance One ATMs5.

Preferred Checking

Designed for members who like to earn interest on their checking account funds, this account features three rate tiers.

  • Minimum Balance: None
  • Dividends: Calculated Daily, Paid Monthly
  • Monthly Service Fee: No monthly service fees if minimum balance of $1,000 is maintained; $4.95/month if the account balance drops below $1,000 at any time during the month.
  • Other Features: Free It’s Me 247 access, free ItsMe247 Bill Pay (a $4.95 monthly value), no-charge Debit MasterCard®3 with unlimited, free transactions at MidUSA CU, non-MidUSA CU and Alliance One ATMs4.

Classic Checking

MidUSA Credit Union Classic Checking is a special account for members age 50 or older at the time of account opening. This account features three rate tiers.

  • Minimum Balance: None
  • Dividends: Calculated Daily, Paid Monthly
  • Monthly Service Fees: None
  • Other Features: Free It’s Me 247 Online Banking access, free ItsMe247 Bill Pay (a $4.95 monthly value), no-charge Debit MasterCard®3 with unlimited, free transactions at MidUSA CU, non-MidUSA CU and Alliance One ATMs4, no fees for MidUSA CU Classic checks6, notary service, Traveler’s Cheques7, and Official Checks

1 Account must be funded at time of opening to cover cost of checks, if ordered. Direct Deposit required.
2 Member must sign up for E-Statements by the end of the month in which their new E-Checking Account was opened; otherwise, they will receive paper statements and a fee of $4.95/month will be applied.
3 Based on credit approval.
4 ATM fees imposed by the network used and/or owners of non-MidUSA CU ATMs may apply. At non-MidUSA CU ATMs, a fee of $1.50 per transaction will be assessed in addition to any fees the ATM owner and/or network used may charge.
5 Members who had a Value Checking account prior to 07/02/07 must request this feature be added to their account. Otherwise, a $1.50 fee per transaction will be applied to each non-MidUSA CU ATM transaction that exceeds 6 per month. ATM fees imposed by the network used and/or owners of non-MidUSA CU ATMs may apply.
6 Valid on basic MidUSA CU Classic checks. All other check designs will be billed at full price.
7 Does not include Traveler’s Cheque Cards.