Your savings account is your basis for membership. The minimum balance fee is waived your first year. Use this period to reach the $500 minimum balance requirement, helping you build a savings habit for your future.
Save Cash — Save on ATM fees. Use your ATM or debit card at surcharge free All-point or-Co-op machines.  and
Opened a MEFCU free checking account at the time you joined? You will be receiving your Visa debit card within 7 to 10 business days. A pin number will follow.
Marriott International employees please note: By opening the free checking account you have authorized a net pay payroll deposit. Your funds may be deposited into your account before you receive your debit card and pin number. Please contact Member Services at 800.821.7280 for options to obtain funds.
Protect your finances — Authorize electronic debits from trusted companies. Providing your account number along with the routing and transit number can expose your account to unauthorized debits.
Treat your ATM and debit card as cash — Do not keep the pin number with the card.
Avoid unnecessary debit card authorizations — Hotels, car rental, gas stations and other merchants may obtain an authorization restricting available funds in your account. While these authorizations may expire in 3 to 5 business days or longer, your funds are not available for usage. It is better to use a credit card for such purchases. MEFCU has a great line of Visa credit cards!
Let us know where you are — Always keep your contact information up to date. Help us in case we need to contact you regarding a questionable transaction or other account issue.
MEFCU’s on line banking is free — Sign up at You can do many transactions, monitor your account and sign up for e-statements avoiding a monthly paper statement fee. 
Avoid overdraft, excessive transfer, courtesy pay and returned draft fees by having sufficient funds in your checking account to cover items — Your debit card purchases are posted against your checking account. Our overdraft services will transfer funds from your savings account with appropriate fees and limitations.
Please review account disclosures, funds availability, schedule of account fees and other important information at for complete information. Helping you manage your accounts and enjoying the many benefits of your MEFCU membership.