Services


FREE McCoy Direct Online

Access your accounts twenty four hours a day, seven days a week!

McCoy Direct Online is available to all members. Visit www.mccoydirect.org and CLICK ON the “Sign Up Now” icon (lower left corner of your screen).  Please have a copy of your most recent McCoy Federal Credit Union periodic statement and the following information available:

• Your main share account number;
• The name of the primary account holder as printed on your statement;
• The primary account holder’s social security number;
• The primary account holder’s date of birth;
• Your zip code;
• Amount of latest deposit to suffix 0 (savings account).

Once you complete the security questions the system will prompt you for a password and you will have to register for our newest security feature.  

• Check your account balance
• Check statement history
• Get e-statements online
• Transfer funds
• Stop Payments
• Buy Savings Bonds
• Make Loan Payments
• ….and much, much, more

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FREE Bill Payer

With McCoy Federal's FREE Bill Payer you can receive and pay your bills online. Pay anyone including your cable bill, your phone company, your electric company - even your babysitter - at anytime, from anywhere you have access to a computer.

FREE Bill Payer allows you to:

• Pay all of your bills online
• Set up one time payments
• Schedule repeating payments
• View your payment history
• Receive e-bills from vendors
• Send money to anyone, anytime, anyplace
• Transfer funds electronically between accounts at different financial institutions
• Set-up and pay bills from different checking accounts
• For companies not accepting electronic payments allow 10 days for a check to be created & mailed to avoid late payments.
  
  
  

Click here to try our Bill Payer demo, or click here to watch the Bill Payer movie. To sign up for Bill Payer, click in the upper right corner and fill out the brief enrollment form. You will need your checking account number, your driver's license and your social security number handy to complete the form.

It takes two simple steps to begin paying bills:

• Set up payees
• Schedule Payments

Once enrolled, you can begin paying bills immediately. If you have questions, you can contact us at 407-855-5452. Or you can e-mail us at McCoy@mccoyfcu.org.

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Call Center

For general information about membership in McCoy Federal…or specific information or questions about your account at McCoy Federal, contact our Call Center at:

407-855-5452
Toll-free: 1-888-584-7701

Hours of Operation:
Monday - Friday: 9:00 a.m. – 5:00 p.m.



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Toni-The-Teller

You have push button access to all your accounts in English and Spanish. Not only can you check balances, you can get information on deposits, withdrawals, and checks that have cleared. You can stop payment on a check at no charge. In addition, you can make loan payments by transferring funds from savings or checking to your McCoy Federal loan.

To access Toni-The-Teller, you must have a Personal Identification Number (PIN). If you do not have a Toni-The-Teller PIN number, call the Phone Center at 407-855-5452. They will be happy to help you.

Toni-The-Teller Phone Number
407-857-8245
Toll-free: 1-888-584-8268

For instructions on using Toni-The-Teller, click here.

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Direct Deposit

Checking Account

Payroll, Social Security, retirement and other recurring checks can be deposited directly to your credit union checking account. It's the safe, sure way to get your money where you want it at the same time each month. All you need is your routing number and your 10 digit checking account number.




Savings Account

If you would like Direct Deposit for your Savings Account, you will need the routing number and your savings account number, which is available on your statement.

With Payroll Deduction, you can designate part or all of your paycheck to your credit union account.

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ATM Locations




McCoy Federal members have thousands of machines available world-wide that they may use. To locate an ATM near you please click on the above link, our visit www.cu24.com.

Wherever you go in the world, look on the sign near the ATM. If it has any of the signs shown on the back of your card, then you can use your Visa DebitCard at that machine.

You will not pay a fee at machines which have the CU Here logo attached to the CU24 sign. You may be subject to service fees and surcharges at other machines.

Some ATMs without the CU Here logo attached to the CU24 sign may assess a surcharge for using that ATM. This surcharge is not a fee charged by McCoy Federal; rather, it is a fee which goes to the financial institution that owns that particular ATM.

You will not be charged a surcharge at any ATM that bears the CU24/CU HERE sign.

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FREE Money Orders

Money orders are a safe, convenient and inexpensive alternative to writing a personal check. They are available in any increment up to $1,000 each. Money orders may be obtained at any McCoy Federal office at no charge for our members.

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Official Checks

McCoy Federal offers two types of official checks for your convenience, bank checks and cashier’s checks. You may purchase the checks for any amount you designate and that amount is guaranteed to the payee. Each official check costs $1.00 and Golden Eagle Club members receive official checks at no cost.

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Fee Schedule

McCoy Federal Credit Union FEE SCHEDULE (EFFECTIVE September 14, 2009)
Membership fee (one time charge)	$ 5.00
Check or Automatic Debit stop payment	$ 15.00
Service Charges: Savings Affects members over age 18 whose total funds on deposit (cumulative) on the last day of the month are under $50.00 and have no loan or credit card.	$ 3.00
Overdraft Privilege (item paid) This fee will be imposed for overdrafts created by checks, ACH debits, Point of Sale, ATM withdrawals, in person withdrawals or other electronic means. Overdrafts must be paid within 30 days.	$ 25.00
Overdraft Protection - Automatic Transfer (maximum of 6 per month)	$ 5.00
Item Returned NSF	$ 30.00
Deposit Items Returned Unpaid	$ 15.00
Foreign Check Collection	$ 35.00
Money Orders	FREE
Official Checks (Cashier, Bank)	$ 1.00
VISA Gift Card (each)	$ 3.00
VISA Gift Card Inactivity Fee (per month after six months of inactivity)	$ 2.50
McCoy Direct Members - Statements Mailed	$ 2.00
McCoy Direct Bill Payer	FREE
WIRE TRANSFERS
Within USA	$ 20.00
Outside USA	$ 35.00
Western Union within USA & International	$ 20.00
Incoming Wires	$ 10.00
RESEARCH & CHECKBOOK BALANCING
Per Hour (1 hour minimum)	$ 10.00
Check, Statement or Bank/Cashiers Check Photocopy (each)	$ 3.00
ATM (Automated Teller Machine) Transactions
Withdrawals at ATMs other than McCoy FCU and designated "CU Here" ATMs	$ 1.00
Coin Processing - each container in excess of one per day	$ 5.00
Plastic Card (Debit / ATM / Credit) Rush Order (3 day delivery)	$ 25.00
ATM / Debit Card Overdrawn	$ 25.00
VISA / VISA Gold / VISA Platinum / MasterCard
Over Credit Limit Fee (account cannot exceed 100% of credit limit)	None
Card Late Payment	$ 30.00
Cash Advance Fee	3% or min of $10, max of $50
Statement Photocopy	$ 2.00
Returned Check	$ 15.00
Photocopy of Sales Slip	$ 5.00
Fresh Start Checking Account Monthly Service Fee	$ 3.00
ACH Credit Manual Post	$ 10.00
Bond Coupon Redemption	$ 16.50
Paper Vehicle Title Rush Fee (only if paper title available)	$ 25.00
SAFE DEPOSIT BOXES
Key deposit	$ 10.00
Drilling fee	$ 150.00
SAFE DEPOSIT BOX ANNUAL FEE
3" X 5"	$ 24.00
3" X 10"	$ 36.00
5" X 10"	$ 48.00
10" X 10"	$ 72.00
CREDIT UNION SHARES
A minimum balance of $5.00 is required at all times in the primary savings (share) account. The first $5.00 in shares cannot be used for overdraft protection or automatic loan payment transfers or ATM withdrawals.
CHECK ORDERS
The charge for your initial order of checks and all subsequent reorders will be deducted automatically from the checking (share draft) account. The deduction will appear on your monthly statement.
BUSINESS ACCOUNT FEES - CLICK HERE for FEE SCHEDULE

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