Take advantage of the following additional services to make the most of your Midcoast FCU membership!
Our members can now take a break from their monthly loan payment with our new Skip-A-Pay Program. Members can utilize this offer, any time of the year to assist with financial stress, periods of reduced income, holiday expenses, or just to take a needed break from their monthly obligations.
Protect yourself from the inconvenience and embarrassment of having a transaction declined or a check returned for insufficient funds with Overdraft Privilege. This optional service allows for the honoring of transactions up to your Overdraft Privilege limit.
VISA® ATM/Debit Cards
VISA® ATM/Debit cards provide you with the convenience to withdraw cash, check account balances and complete in-person and online purchases, all with one card. Connected to your Midcoast checking account and sponsored by VISA®, you can complete transactions worldwide.
We also offer enhanced security for online use of your VISA® ATM/Debit card with VISA® Checkout.
PLEASE NOTE: If you are traveling out of the state or country, please call and notify the CU so that we can ensure that your debit card works properly while you are traveling.
VISA® ATM/Debit Card Application and Disclosure.
SURF - Maine's Largest Surcharge-Free ATM Network
We are a proud member of SURF, the largest surcharge-free ATM network in Maine. With over 250 credit union ATM locations around the state, it's easy access to your money without costly surcharges. Locate a SURF ATM near you or where you are going to be. Search SURF ATM locations here.
CO-OP Shared Branching Network
We are also a proud member of the CO-OP Shared Branching Network which allows you to use over 5,700 credit union locations nationwide to access your Midcoast accounts. Whether you are traveling in-state or across the country, take Midcoast FCU with you!
Take advantage of this free service and make withdrawals, deposits or loan payments. Remember to have a valid photo ID along with your Midcoast FCU account number, when visiting a shared branching location. Contact us for more information or search CO-OP Shared Branch locations here.
No need to worry about making it to the Credit Union before closing time. With Direct Deposit, your payroll is electronically deposited into your account with immediate availability. To take advantage of Direct Deposit, download the Direct Deposit Form, complete the form and provide it to your payroll or accounting department. Even better, add to the convenience with an eAlert and we will text or email you when the deposit is made into your account!
SavvyMoney offers a Free Financial Assessment. In just minutes, you will receive a thorough analysis of your financial situation, including powerful tips by leading financial experts to help you control your debt, build a budget, and start living the life you want to live.
Additionally, SavvyMoney offers a Free Monthly Credit Score. Get your free Credit Score and analysis, updated every month. It's always free, no purchase or credit card required.
Wire transfers are a convenient and secure way to move funds from one financial institution to another. No more worries about lost or stolen checks! All U.S. and foreign wire information must be received by 2:30 pm for funds to be wired the same day. All wire requests must be signed by the member.
Incoming wire: $5 per transfer
Wire transfer domestic: $20 per transfer
Wire transfer International: $40.00 per transfer
In State CU to CU: $5 per item
Safe Deposit Boxes
Safe deposit boxes provide extra security for your important items, documents and files. We are pleased to offer safe deposit box services in our Bath and Thomaston Offices. These boxes are held in a fire-retentive area and have a two-key security procedure. Box sizes and yearly annual fees are as follows:
Contact us for additional information and box availability. Items stored in Safe Deposit Boxes are not insured by the Credit Union.
We are pleased to offer free notary services to our members at all office locations. Walk in assistance is available however, to accommodate your schedule, we recommend that you contact us in advance to make an appointment.