Midwest Partners Federal Credit Union

Checking

Tired of paying a monthly service charge on your checking account? A checking account at Midwest Partners FCU offers you the convenience you want to manage your personal day-to-day finances with NO MONTHLY SERVICE CHARGES!

We now offer three different types of checking accounts. The basic checking, the advanced checking, and the e-checking.

	Basic Checking	Advanced Checking	E-Checking
	No Minimum Required	$300 Minimum Balance	Direct Deposit Required
Savings	Free	Free	Free
Checking	Free	Free	Free
Online Banking	Free	Free	Free (Required)
E-Statements	Free	Free	Free (Required)
Debit Card	$2.00 per month	Free	Free(Required)
Bill Pay	$4.95 per month	$4.95 per month	Free
Checks	>> Contact Us

There are fees associated with Midwest Partners Federal Credit Union's checking account.
>> View Fee Schedule

ATM/Debit Card - Introducing PULSE PAY

You can now select the "Debit" option at participating merchants, key in your PIN and get cash back with your purchase!

Many merchants offer surcharge-free cash back with your purchase, eliminating the need to write a check or visit an ATM for your cash needs. The amount of cash back allowed varies by merchant and your customizable personal limit. To get cash back, simply key in the amount of cash you would like before finalizing the purchase. There is usually no charge for cash back, saving you check and/or ATM convenience fees. What a great benefit when you are traveling or just need cash while shopping.

PULSE PAY PIN transactions are allowed wherever PULSE PAY is accepted, at millions of merchant terminals nationwide. Using PULSE PAY PIN debit, your financial institution may hold you liable for unauthorized transactions.

To conduct a PIN debit transaction:

1. The merchant must accept PULSE PAY PIN transactions.

2. Swipe or insert your Advantage card at the merchant terminal.

3. Select the "Debit" option.

4. Enter your PIN to authorize the payment.

5. If desired, select cash back.

6. The payment is authorized and your checking account will be debited within one business day.

>> View participating PULSE PAY merchants in your area

Midwest Partners Federal Credit Union's ATM/Debit Card lets you make cash withdrawals, deposits, transfer funds and make balance inquiries from your share and share draft (checking) accounts 24 hours a day 7 days a week.

Use as a Debit card (checkcard) anywhere that accepts Visa.
The ATM/Debit card is only $2.00 for unlimited transactions.

>> View ATM locations near you

Contact a Member Service Representative at 605-336-0437 for details about our ATM/Debit cards.

Check Reordering

>> Secure check reorder form

Check Imaging

>> View your checks

Overdraft Protection

For most people, overdrawn checking or share draft accounts are a rare or occasional event. Do you know you can arrange things so you can never have another overdraft?

Our Midwest Partners Federal Credit Union "Ready Reserve" is a line of credit you qualify for ahead of time--a credit arrangement you hold in reserve against the possibility that you'll need to tap it some time in the future. You may never need it at all, and in that case you won't pay for it. But if your share draft account becomes overdrawn, the credit union will cover the overdraft from your line of credit, up to your approved limit.

The "Ready Reserve" advances from your line of credit in increments of $100.00. For example, if your account is overdrawn $30.00 the advance will be enough to cover it. If the advance is more than you need, simply request a transfer from your share draft to be applied to your line of credit so your debt stays small. You may pay off your line of credit at any time or make monthly payments. The interest rate on "Ready Reserve" is 18% A.P.R.

It's true that credit union NSF (not sufficient funds) and overdraft fees are low compared with other checking account providers. But with "Ready Reserve" overdraft protection, you won't have to deal with even modest overdraft charges.