Mobile Icon

Instructions for mobile icon

For Apple Devices:

         1. Open Safari and type

           2. Tap SAVE AS  at the bottom of the screen

           3. In the bottom right corner choose "Add to Home Screen"

           4. In the top right corner click "Add"

For Android Devices:

         1. Open Google Chrome

          2. Go to

          3.  In the top right corner of your phone click on the three dot settings and choose the " Add to Home Screen" option

          4. Click Add


1. Open FireFox

2. Go to

3.In the top right corner of your phone click on the three dot settings and choose the "page" option

4. On the new Menu Choice "Add to Home Screen"

Call (937) 548-0360 for any issues

Switch Kit for Share Draft (Checking) Account


Benefits to a checking account with Members Choice CU:  * FREE Bill Pay;  * Online Banking - 24/7 Access;  * No required Minimum Balance;  * Overdraft Protection;  * Interest earned on balance of $1,000 or more;  * No per Check charge;  * Unlimited Transactions;  * Duplicate Checks.

Go the the document tab and download the paperwork to help transfer your checking account to Members Choice CU.

VISA Credit Cards

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For Credit Card Tips from the Consumer Financial Protection Bureau


To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Looking for a secure credit card? Members Choice Credit Union offers VISA credit cards at a low fixed rate and no annual fee. Cards now have the EMV (Europay, Mastercard, and Visa) chip for more protection.

General safety tips: Report lost cards immediately, don't leave the card anywhere it coud be easily taken, memorize your PIN, shred all documents that contain personal or financial information, don't fall for scare tactics by phone or by email.

For lost or stolen cards please call 800-449-7728. For issues with your card after MCCU business hours please call 855-584-2953.

If you need a credit card or want to transfer a credit card balance with a higher variable rate, stop by the office for details and disclosure.

Sallie Mae Student Loan Program

Get the money you need for school

Looking for financial help to attend college?   Now is the time of year when most families realize that they need additional funds for college.  Click the above link to see various options that may await you.

Statement Fee

 COST TO MAIL STATEMENTS:  Starting March 2014, accounts under $100 will be charged $1 per month to receive statements by mail.  Opt-in to E-statements today, on the Online Banking site using the Statements & Forms tab, to avoid getting charged.  Call the office with any questions.

Are you going on vacation?

shells      If you have an ATM, debit, or credit card with us and plan to go on vacation, call 937-548-0360 to let us know where you are going and how long you will be gone.  This will help prevent your card from being flagged as fraudlent. 

VISA Gift Card

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Gift cards can and should be used when making purchases on the internet instead of giving your debit card number.  Don't forget VISA Gift Cards are great for giving as gifts for any occasion.  These cards are: *nonreloadable, *for non PIN based usage, *non-refundable, *card valid thru the date on the front of the card or until the value is 0, *funds valid for 7 years after initial load or until funds are depleted.  Fees: $10.00 replacement if lost/stolen, $5.00 after 12 months of non use and monthly until next transaction, International transaction fee up to 1% where conversion occurs or .8% if conversion not performed.  Call 866-833-2370 if card is lost/stolen and call the credit union for replacement card.  Error Resolution: contact customer service within 60 days of transaction.

Remember, Members Choice Credit Union also has a VISA Credit Card.  Benefits of this card are: fixed rate, pay the bill here at our office, no cash advance charge, no annual fee.  Stop by the office to ask for full details/disclosure on both of these cards.

Free Credit Report

helpful links web page.jpg You are entitled to 1 FREE credit report from each of the three credit report agencies each year.  All you need to do is connect to '' and click Request Report and chose the agency that you want. If you request the score also, there may be a charge. To contact them by phone, call 877-322-8228.  If you have questions you can call the credit union office at 937-548-0360.

ALERT - Watch Your Account

Mobile banking Please take notice!!!!!  Members Choice Credit Union never asks for any confidential or financial details by e-mail, telephone, or text message.  If you receive an e-mail, phone call, or text message claiming it is from your credit union, or from any financial institution, asking for financial or personal or sensitive data, do not reply. Do not respond by clicking on a link within the e-mail message.  NCUA will never ask you to answer an e-mail.  DO NOT OPEN and DO NOT REPLY to any of these e-mail requests.

Local Routing Numbers

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To determine the availability of a deposited check, the following is observed: Most U.S. Treasury checks, wire transfers, checks drawn on Members Choice Credit Union, and State or local government checks will be available same day.

Most cashiers’ checks, certified checks and teller’s checks will have next day availability.

Longer delays may apply for insurance checks, large deposits, or redeposit of a returned check.

                                      Members Choice Credit Union reserves the right to place longer holds if deemed necessary.

                                      Please contact one of our tellers with any additional questions.

IRA Information

IRA POST 70 1/2 PERIODIC PAYMENT OPTIONS:  Withholding Notice: Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding.  You may change your withholding election at any time prior to your receipt of a payment.  To change your withholding election, complete the appropriate form provided by your credit union.  Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes.  However, your withholding election does not affect the amount of income tax you pay.  You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.


Qualified taxpayers may make contributions of a maximum of $6,000; however if you are over 50 years old you may qualify to contribute an extra $1,000.  Stop by the office to start your retirement account.

Roth IRA Share accounts and Coverdell ESA (educational savings) Share accounts are available.  Contact your financial advisor to see if these accounts would be a benefit to you or your family.

For all IRA Share accounts, the Fair Market Value is furnished to the IRS.


U.S. Savings Bond

U.S. SAVINGS BONDS are paperless.  Savings bonds will no longer be issued through Members Choice Credit Union.  You now buy and manage savings bonds electronically through TreasuryDirect at