Member Services

 

 

Let Mid Carolina do your ACH Origination! You'll never miss an electronic payment or transfer again. This service offers fixed-amount electronic transfers recurring on the same date each month. ACH transactions are not considered a wire transfer. There is no fee for processing ACH Originations.

WHAT IS ACH ORIGINATION?

ACH Origination is an electronic payment delivery system that allows Mid Carolina to originate and send both debits and credits to participating financial institutions in the U.S.

Funds received via ACH Origination can be credited to your Mid Carolina loan, savings, IRA and share draft accounts. Payroll deposits, retirement deposits and Social Security need to be initiated by your Payroll Department, or the Social Security Administration. ACH Origination ensures funds are transferred on the date that you designate.

For variable amounts and dates, please use our online Bill Payer service.

Transfer funds with any option below:

Weekly - Semimonthly - Biweekly - Monthly - One Time

SET UP ACH ORIGINATION

It's easy to sign up for ACH Origination! Fill out & sign this form, then:

Once completed, the form will be electronically sent to the Credit Union for processing. Be sure to keep a copy for your records. Also, be sure and upload a picture of a voided check or mail one to our accounting department at PO Box 549 Lugoff, SC 29078, we must have this to go along with your form. Please note: an ACH cannot be set-up with a starter check.

When using your share draft account number, be sure to use your 12 digit account number found on the MICR line of your share draft. If using your savings account, only use your saving account number.

For example, if your account number is 123456 that is how you would format it for your savings account. If originating to or from your share draft account then the format should look like this: 672430106800.

Picture of a Blank Check

Why stand in line to deposit your paycheck? Save your time, and send your paycheck, social security, government, or retirement check directly to your credit union checking or savings account on payday. Direct Deposit is the safe and convenient way to deposit your checks: your funds will be deposited directly to your account electronically, accessible by check, telephone banking, online banking, or through the use of your ATM/Debit card. You'll never have to worry about your check being lost or stolen.

Guaranteed Asset Protection (GAP)

Don’t let a wrecked vehicle wreck your finances

Guaranteed Asset Protection can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out of pocket expenses if your vehicle is deemed a total loss. GAP can help lighten the financial burden for you and the people you care about. Get GAP today so you can worry a little less about tomorrow.

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days, you will receive a full refund of any fee paid.

GAP purchased from state-chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP purchased from state-chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.


Credit Life & Credit Disability Insurance

Credit insurance may make your loan payments when you can’t

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against the unexpected such as a covered life event or disability could help you protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow. There’s no way to predict an injury, illness or other unexpected life event. You can take steps to protect your family if the unforeseen happens. Credit disability and credit life insurance may help reduce or pay off your covered loan, up to the policy maximum, in the event of a covered life event, injury, illness or death. You decide which payments you want to protect, and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, it is totally voluntary, it won’t affect your loan approval, and it’s simple to apply. You can sign up for credit insurance at your loan closing, or anytime you’d like.

  • Simple to apply
  • Designed to fit your lifestyle
  • Coverage that fits your loan
  • Totally voluntary
  • Won’t affect your loan approval
  • Sign up for credit insurance at your loan closing, or anytime you like

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for creditor the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms.

CA Only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. California Department of Insurance Consumer Hotline: 800.927.4357.

VT Only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs.

CDCL-1457655.1-0316-0418, © CUNA Mutual Group 2016, All Rights Reserved

TruStage® AD&D

$1000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours.

One of the nice benefits of credit union membership is a no-cost Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.

You can get $1000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.

Sign up for your no-cost or additional protection to day.

TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. ADD-1112-225E

TruStage® Life Insurance Plans

We offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. Learn about this important coverage or call 1-855-612-7909 for more information.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. LIFE-1112-C9B

TruStage®Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1-855-483-2149.

TruStage™Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-7C9E

Notary Service

All Mid Carolina Credit Union members have free access to the notary public in each of our offices.

All Mid Carolina Credit Union members have free access to the notary public in each of our offices.

Mistakes happen. Usually when you overdraw your account, it’s the result of a simple mistake, and can be traced back to one of the following: a deposit that’s still pending, an error in balancing, or a forgotten transaction. At Mid Carolina CU we understand this, and that’s why we offer Overdraft Privilege, an added level of protection against unanticipated cash flow emergencies and account reconciliation errors. With Overdraft Privilege shortages can be covered, allowing your transaction to be processed as you’ve requested. This benefit covers eligible overdrafts up to a predetermined amount, at Mid Carolina CU's discretion.*

At Mid Carolina CU, we do not encourage overdrafts. As always, we encourage you to maintain your finances responsibly. The purpose of this privilege is to save you from the embarrassment, additional merchant fees or other problems that might result if an item is returned or rejected.

Overdraft Privilege is subject to a fee of $30 per instance. This is the same per instance fee we charge for non-sufficient funds [NSF], but also provides you with:

  • Protection from merchant returned check & ACH charges.
  • Protection of your credit.
  • Protection from the embarrassment of a rejected debit card transaction of non-sufficient funds and returned checks.
  • Overdraft Privilege will only be extended if you opt-in. You may change your Overdraft Privilege option at any time, opting in or out as you feel appropriate. Simply follow one of the directions below to opt-in or opt-out. Please allow two to three business days for your request to take effect.

    For more information, click here to download our fees, conditions, and terms of use.

    Other Options for Overdraft Protection

    Transferring funds from a Mid Carolina CU Savings account

    Link your checking account to your savings account for extra protection. You can have a representative set this up for you. Once set up, if you try to complete a transaction but there aren’t sufficient funds, we’ll automatically draw needed funds from your savings account (including any fees) as available. If you do this and also sign up for Overdraft Privilege, we’ll access your savings account first for needed funds before using Overdraft Privilege and imposing the Overdraft Privilege fee of $30 per transaction.

    Where can I find complete details and disclosure information about Overdraft Privilege?

    Click here, Disclosure information and details.

    Opt-in to Overdraft Privilege Today!

    An extra level of protection from... emergency expenses, account balancing mistakes and more.

    • Log-in to Online Banking, select "Account Services," then "Overdraft Services". Click here, for complete online instructions.
    • Call 803-432-8521
    • Print and submit the form any of these ways: 
      - mail it to ODP, Mid Carolina CU, PO Box 549, Lugoff SC 29078
      - deliver it to your local branch
      - fax it to 803-425-1936

*Overdraft Privilege services are at the discretion of Mid Carolina CU and opting in is not a guarantee that overdrafts will be covered.

Mid Carolina Credit Union's safe deposit boxes are individually secured containers used to secure valuable possessions, marketable securities, and/or important documents.
Deposit Box Dimensions and Prices:
3×5: $20/year
3×10: $35/year
5×5: $25/year
5×10: $50/year
10×10: $75/year
*Prices are subject to change at any time.

Branch locations with Safe Deposit Boxes:

  • Lugoff
  • Camden

Wiring money can be a great way to help a friend or family member meet emergency expenses. It's fast, safe, and the fees are reasonably priced.
Please call (803) 432-8521 or (800) 533-4226 to submit a secure wire.
View our current fee schedule.