Other Services

Direct Deposit

Early Pay Ask How

Unlock your paycheck early with Direct Deposit

It’s the latest thing.

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 for.


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

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

When you bank with Members Choice, your money is available as soon your employer deposits it.

No more waiting.

Call today and ask about getting setup for direct deposit!

Payroll Deduction

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

  • Safe, Reliable Direct Deposit for select employee groups or government disbursements
  • .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

Notary Service

Members Choice CU offers Notary Service to all members at no charge.

Please contact us for Notary availability at the branch nearest you.

Gift Cards

Gift CardsGive the gift that everyone will love, a Members Choice Pre-Paid Visa Gift Card.

  • The perfect gift – one size fits all!
  • Available from $25 to $500
  • Can be used anywhere Visa® Debit is accepted.

MCCU members can purchase MCCU 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.


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 Credit Union Routing Number: 242175528 Address: 1401 Carter Ave. Ashland, KY 41102.
  • Include your Members Choice Credit Union member name and the account number where money should be deposited.

Send funds from your Members Choice Credit Union 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 $20.

To wire funds to another institution, you must:

  • Provide us with the receiving institution’s wire instructions

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

*Preauthorized credits received by Members Choice Credit Union may be credited to your account up to one business day prior to the originally scheduled posting date. On certain occasions, we may not receive the information ahead of time and will not be able to post your deposit early. Instead, your direct deposit will be posted on your normal payday or as soon as we receive it. Members Choice Credit Union is not liable if we do not receive the preauthorized credit or fail to deposit these funds to your account early. We recommend that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account. You are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.

Discover more of what your Members Choice Credit Union has to offer!

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