The Way You Live

With a Mid Carolina Credit Union checking or savings account, you can pay your bills and manage your finances more easily than ever. Our checking & savings accounts are designed for maximum convenience and flexibility.

Basic Checking

If you've been turned down for a checking account, or if you just want a checking account with no frills, then Basic Checking is for you. With Basic Checking, you enjoy:

• FREE Visa Debit Card

• NO Minimum Balance**

• Unlimited Transactions

• NO Monthly Maintenance Fees

• Re-Order Your Checks Online (through online banking)

• Federally Insured

• Plus, free convenience services below

Premium Checking

Free yourself from fees with Mid Carolina’s Premium Checking Account. With Premium Checking, you enjoy:

• FREE Visa Debit Card

• NO Minimum Balance**

• Unlimited Transactions

• NO Monthly Maintenance Fees

• Re-Order Your Checks Online (through online banking)

• Overdraft Privilege (ODP)

• Federally Insured

• Plus, free convenience services below

Both accounts come with our FREE convenience services! Enjoy the many services that come with it and save time by adding Direct Deposit.

• Online Banking

• Mobile and Text Message Banking

• E-Statements

• Direct Deposit

• Automatic Transfers

• Automated My Personal Teller

• Convenient Branch Locations

• Access to Thousands of Surcharge-Free ATMs

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 checks & ACH charges.

• Protection of your credit.

• Protection from the embarrassment of a rejected debit card transaction of non-sufficient funds and returned checks.

Eligibility is decided by Mid Carolina CU and is based on you managing your checking account in a responsible manner. Overdraft Privilege can be used to cover your checks, individually authorized ACH transactions, and recurring ACH transactions. It can also be used to pay your one-time/everyday debit card transactions if you opt-in; to authorize these transactions, see the form below. 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 view 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."

• Call (803) 432-8521

• Print and submit the form in 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.

Personal Savings

This is where it all begins - a $5 balance in your Personal Share Savings Account represents your credit union share and entitles you to all of Mid Carolina's benefits.

• Dividends Paid: Monthly

• Minimum Balance: $5

Special Features:

• 24/7 access via CO-OP and STAR ATM networks

• May be set up as a source for Overdraft Protection on your checking account

• Online Banking & Mobile Access

Certificates

Kick your savings program into high gear with Mid Carolina Credit Union's Certificate Accounts. You'll earn higher dividend rates than you would on other savings accounts, and your investments are federally insured up to $250,000.

• Dividends Paid: Monthly

• Minimum Required Deposit: $1,000

• Step-Up feature

Special Features:

• Many terms to fit your savings needs - from three to 36 months

• Competitive rates

Money Market

An accelerator for your savings plan! Big financial goals can take some time to reach. Shorten that timeline with a Money Market Account from Mid Carolina. Our Money Market Account gives you a higher dividend rate than a traditional savings account without tying up your money in a CD. 

• Dividends Paid: Monthly

• Minimum Required Deposit: $2,000

• Build your account balance effortlessly using Direct Deposit, Payroll Deduction, or automatic transfer through Online Banking

• We may limit automatic transfers, checks, and drafts to six (6) each month

• No limit to the number of over-the-counter or ATM transactions

• Ideal for long-term savers who are considering a CD but who still want access to their funds

Not considered a transaction account.

Club Accounts

Christmas Club Accounts:

Save as much as you like, as often as you like. Mid Carolina Credit Union's Christmas Club Account helps you to save for the holidays. Payroll deduction or automatic transfer make it even easier to reach your goal. On November 1, the money in this account is automatically transferred to the account of your choice.

Sign up today! It's a check card and an ATM card. As a Mid Carolina Credit Union member, you will be able to access your money as easily and conveniently as possible. Your debit card is designed to do just that.

Debit Card Advantages:

• Check savings and checking balances

• Transaction amount is deducted directly from your checking account, so you don't pay interest

• Eliminates the hassle of writing checks

• Enjoy free ATM withdrawals at any Mid Carolina Credit Union ATM and ten free per month at non-Mid Carolina Credit Union ATMs

• Access your money at any Mid Carolina Credit Union ATM, STAR network, Visa, or CO-OP Network ATMs

• Added protection of EMV Chip Card Technology

• Contactless, Tap & Go. Checking out in-store has gotten even easier and safer with a contactless card from Mid Carolina Credit Union. Simply look, tap and go.

  • LOOK. - Locate the contactless symbol anywhere you shop.

  • TAP. - Tap your contactless Mid Carolina CU Visa debit card on the terminal.

  • GO. - Your payment is completed in seconds

Instant Issue

NEED A VISA® DEBIT CARD TODAY? NO PROBLEM.

Get a new or replacement card at any Mid Carolina Credit Union branch in just minutes. Members can request Instant Issue any time a new debit card is needed, whether for new checking accounts or to replace lost, stolen, or damaged cards. During instant issuance, pre-printed, chip-enabled debit card stock is customized with the member’s name, card number, expiration date, and CVV code.

Currently, only debit cards can be instantly printed and made ready for immediate use. Credit cards are not eligible. In some cases, a fee may apply.

For the Debit Card Application, contact us.

Lost or Stolen

DEBIT CARD
Regular Hours: (803) 432-8521
After Hours: 1 (800) 433-5226

PIN Now

Forgot the PIN on your debit card? Mid Carolina Credit Union's PIN Now service is the quickest and most convenient way for you to select or change your debit card PIN. Through our PIN Now service, you are able to reset your PIN number from home. To use this service, simply call 1 (800) 992-3808. When calling this number, you MUST call the service using the phone number you have provided to us. 

Traveling

Be certain to contact Mid Carolina Credit Union so we can flag your credit and/or debit card with a travel notification before you leave town. Setting a travel notice before you depart lets Mid Carolina CU and your credit card company know you’re in control of your card, so you can use them worry-free and without interruption. Call (803) 432-8521.

Mid Carolina Credit Union utilizes the latest technologies to protect your account. We monitor transaction activity 24/7/365 to deter fraudulent activity before it occurs. When unusual activity occurs on certain accounts, our fraud analyst may temporarily suspend transactions and place a call to our cardholders asking to verify the transactions. The fraud analyst will NEVER ask you for your full Social Security number.

Traditional IRA

• Annual contributions may be tax-deductible

• Taxes deferred until time of withdrawal

• Penalty-free withdrawals for certain qualified reasons

Consult your tax advisor regarding deductibility, contribution limits, and withdrawal requirements.

Roth IRA

• Non-deductible contributions

• Earnings are tax-free

• Ability to withdraw without penalty if certain conditions are met

Consult your tax advisor regarding deductibility, contribution limits, and withdrawal requirements.