Refer-A-Friend Certificate
If you refer a friend to us and they get a loan, you and your friend both get $20!* Click on the link below to print a Refer-A-Friend Certificate.
*New members only. Not valid with any other offer. Offer expires December 31, 2019
Courtesy Pay
This is a courtesy we offer to members in good standing.
We reserve the right to revoke your Courtesy Pay privilege at any time.
What is Courtesy Pay?
Courtesy Pay is a new service that adds a measure of protection to your checking account. Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee of $25 per covered overdraft transaction. That means, instead of returning a check to the merchant because of insufficient funds, the credit union may pay your check, saving you additional charges from the merchant collection companies, in addition to the credit union’s insufficient fund fee. It saves you the embarrassment an inadvertent overdraft can cause. It also helps protect your credit rating.
How does Courtesy Pay Work?
Overdrafts on your checking account, up to a limit of $500 [including the amount of the overdrawn item(s) and the Courtesy Pay fees(s)] may be honored by Muskegon Co-op Federal Credit Union for members in good standing. A $25 fee will be assessed for each item that draws your account negative. You then must bring the account positive immediately to remain in good standing, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices.
What if I already have Overdraft Protection?
If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first before paying your overdraft utilizing Courtesy Pay and imposing a $25 fee for each overdraft we pay.
Do I have to Apply for this Service?
No. We require no applications or additional signatures. As long as you are a member in good standing which includes having an account with us for a least 60 days, you make regular deposits to that account, bring your account back to a positive balance immediately, and there are no legal orders against the account, your Courtesy Pay privilege remains activated.
Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs.
Money Orders
- Provides a safe and secure method for paying with guaranteed funds to another person or business
- Can be purchased in any amount up to $1,000
- Equivalent to cash
- See current fee schedule
Cashiers’ Checks
- Used to pay another person or business
- Guaranteed to be paid
- Unlimited Free Cashiers’ Checks to Gold and Platinum members
- Equivalent to cash
- See current fee schedule
Wire Transfers
- A fast convenient way to electronically transfer funds to other financial institutions
- Funds can be transferred the same day if done before 3:00 pm Eastern Standard Time
- Becoming a Gold or Platinum member of the Member Rewards Program earns you 1 Free wire transfer per month
- See current fee schedule
Notary Services
- Use this service to attest to legal and other documents
- Free to all members in good standing
- Convenient access – notaries are located in each branch