Personal Checking

At MidUSA Credit Union, our checking accounts are designed 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.  Making the switch to a MidUSA checking account is quick and easy. Our Switch Kit contains a simple step-by-step outline to help you open your new account, close your old ones, and begin enjoying all the benefits of MidUSA Credit Union checking.

MidUSA E-Checking | MidUSA Value Checking | MidUSA Preferred Checking | Classic Checking


MidUSA E-Checking

Perfect for members looking for a basic checking account with no monthly fee! Easy to open, easy to navigate and full of electronic support features.

  • Minimum balance: No minimum balance required 1
  • 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.

MidUSA Value Checking

A great fit for members who don’t want to worry about keeping a minimum balance yet want a full-service account.

  • Minimum balance: 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.

MidUSA Preferred Checking

Designed for members who keep higher checking balances and like to earn interest on their checking funds, have electronic access, and enjoy special rate tiers.

  • Minimum balance: No minimum balance required
  • 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

Designed specifically for members age 50 or older at the time of account opening, this features three rate tiers.

  • Minimum Balance: No minimum balance required
  • 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.

 

 

 

All MidUSA CU share accounts are privately insured up to $250,000 per account by American Share Insurance (ASI).
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 six 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.