Services

Direct Deposit

Unlock your paycheck early with Direct Deposit.

When you receive Direct Deposit to your Checking Account, you are eligible to receive your funds up to two days early; depending on when we get the payment instructions from your employer or benefits provider. Unlock your paycheck with Members Choice Credit Union! Earn faster access to the money you’ve worked so hard to attain.

Here’s how you can arrange to Unlock Your Pay:

  • Go for it - Open a Checking Account at Members Choice Credit Union
  • Embrace the truth - Businesses alert financial institutions ahead of time how much money will be deposited into everyone’s account on payday
  • Reap the Benefits - No waiting for your money while it sits in some mysterious electronic limbo, no paper checks lost in the mail
  • Do tell HR - Arrange for the Direct Deposit of your paycheck
  • Check the date - Your salary may be available a day before your company’s normal payday
 

Payroll Deduction

Payroll Deduction is a convenient and easy way to save or make loan payments. The money is automatically credited to your account(s) on payday.

Safe and reliable, Direct Deposit is available for select employee groups or government disbursements.

0.25% discount for using Payroll Deduction at the time you open your loan*.

Automatic deposit of funds into your account.

Worry-free loan payments.

*Subject to change. Certain Restrictions Apply.

Gift Cards

Give the gift that everyone will love, a Members Choice CU Pre-Paid VISA® Gift Card. Members Choice CU members can purchase Members Choice VISA® Gift Cards for a small fee of $2.75 per card at any Members Choice branch. For more information, feel free to stop in or give us a call at (606) 329-7876 or (800) 370-1549.

The perfect gift – one size fits all.

Available from $25.00 to $500.00

Can be used anywhere VISA® Debit is accepted.

Wires

There is no fee for an incoming wire transfer.

To receive funds, provide the following information to another institution:
Wiring to Receiving Financial Institution: Request that the funds be wired to Members Choice.
- Routing Number: 242175528
- Address: 1401 Carter Ave. Ashland, KY 41102
Include your Members Choice member name, and the account number where money should be deposited.

Send funds from your Members Choice CU account to other financial institutions or third parties. There are no time cutoff deadlines to process same-day wire transfers. Fees apply to send a Wire Transfer.
- Wire transfers are not processed on Saturdays, Sundays or credit union holidays
- Domestic wire transfers are generally completed within one business day
- It is the member’s responsibility to provide complete and accurate information to process a wire transfer
- The fee for outgoing domestic wires is $30.00

To wire funds to another institution, you must:
Provide us with the receiving institution’s wire instructions.

Visit a Members Choice branch to sign a wire authorization form. Wire transfer requests can be completed over the phone, with proper member verification.

Other Services

Notary Service
Members Choice offers Notary Service to all members at no charge. Please contact us for a notary availability at the branch nearest you.

Courtesy Pay
Courtesy Pay is a non-contractual courtesy and is discretionary. See the full disclosure here. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. There is a $29.00 fee per covered item, and the fee and overdraft balance are due within 30 days of use.

Coin Machine
We are proud to offer this complimentary service for all members and a small charge of 10% for all non-members at all locations.
*Please deposit only loose U.S. coins into the machine. Machine does NOT accept foreign or half dollar coins.