NEW Visa Debit Cards at MCCCU

Members Choice CCU now offers Visa Debit for two account types; for Members Checking Accounts and for your Business Accounts! Look for your card in the mail starting July 18, 2008. Your PIN will follow two days later in the mail. Activate your card before the July 28th by calling the number in your mailing. Start using your new card on, and not before, July 28th.

Looking for a fast, convenient and safe way to pay for everyday purchases? A NEW Members Choice Visa Debit Card is now more convenient than writing checks and safer than carrying cash. This handy way to pay will allow you to "swipe and go" at millions of merchant locations where Visa Debit is accepted. Now with REAL TIME balances, there's no need to worry about balance updates after deposits have been made!

Here's some of the many ways the new Visa Debit Card will benefit you:

• Unlike a credit card, your purchase is deducted directly from your MCCCU checking account.
• You can choose your own PIN by calling the number on your PIN mailer.
• The debit card eliminates the need to carry a lot of cash or your checkbook. Plus, you'll save money on purchasing checks.
• Your card doubles as an ATM card to make transfers, withdrawals and inquiries from your checking or savings accounts. 
• No annual fees or monthly maintenance fees to use your card. Normal ATM fees will apply when using non-MCCCU owned machines. Our Visa Debit Card is ideal for on-line and phone purchases. Your purchases are secured through Verified By Visa.
• Sign up for E-Statements and you'll enjoy unlimited* ATM transactions from any ATM!
• Choose the card design you want for your new Visa Debit Card! Browse the design choices by clicking here. Wait until your card's expiration date approaches and pay nothing for your new design. Choose a new design before your existing card expires and pay only $5 for your new card.
• If there are joint owners on an account, there will be two cards with two seperate numbers issued to each owner! In the event your card is lost or stolen, only one card needs to be shut down, rather than both, making it easier for you to still access your money.

Do you choose Debit or Credit when asked? 
When merchants ask you this question, they are simply asking how you would like the transaction processed. Choosing the credit option is just one of the many ways MCCCU is able to keep our fees low. In other words, if you say "credit," the purchase will not be billed to a credit card. When you choose "credit," it actually helps the credit union and other members because it is more efficient and less costly. No matter how you respond, debit or credit, ­the purchase will be deducted from your checking account.

Want cash back? 
When you make a purchase at participating merchants, you can get cash back when you choose "debit." The amount of cash and availability of this service depends on the merchant and how much is in your checking account at that time.

 
Should you Pay at the Pump? 
When you choose to pay for your gas at the pump with your MCCCU Visa Debit Card, the system does not know how much gas you will be pumping, so it will preauthorize an amount of $75. An automatic hold for $75 will be placed against your account even if you only get $20 worth of gas. The hold will be released within 4 hours of you getting gas. The opposite is true if you need more than $75 worth of gas. If you know this ahead of time, it's best to choose Pay Inside. To avoid both situations, you can pay the cashier inside instead of paying at the pump.

*ATM's owned by other financial institutions may still apply surcharges at the time of withdrawal. Without e-statements, MCCCU allows only five free ATM transactions a month at non-owned machines.