What is Mission Courtesy Pay (MCP)?
Mission Courtesy Pay (MCP) adds an additional level of overdraft protection to eligible accounts to ensure checks or electronic /ACH (Automatic Clearing House) items are paid even if funds are not currently available in the account.
Is there a fee if I use Mission Courtesy Pay (MCP)?
Yes, there is a fee. Please refer to our Fee Schedule for the most current fee. The fee will be reflected on your monthly statement with a description of Courtesy Pay Fee.
Does it cost extra to have Mission Courtesy Pay (MCP) on my account?
There is no cost to have Mission Courtesy Pay (MCP) on your account. There is a minimal fee if an item is paid using the MCP program.
Is MCP available on my business account?
MCP is only available on consumer checking products.
What is Mission Federal’s routing number?
The routing number is located at the bottom left side of your check.
Mission Federal’s routing transit number is 322281507.
What are your service fees?
The MFCU fee schedule can be found here.
What is the Mission Courtesy Pay (MCP) limit on my account?
The Mission Courtesy Pay (MCP) limit on your account is determined based on a variety of qualifications. There are three tiers - $300, $500, and $750. Contact us at 800-500-6328 or visit a branch to find out your MCP limit.
Is Mission Courtesy Pay (MCP) available on my savings account?
MCP is only available on consumer checking accounts.
I already have overdraft set up to come from my savings, Line of Credit and/or Credit Card account(s). What happens to my current overdraft options?
Your overdraft will continue as it always has. The Mission Courtesy Pay (MCP) coverage will only take place if the savings, Line of Credit and/or Credit Card account(s) do not have sufficient funds to pay the item.
How can I discontinue Mission Courtesy Pay (MCP) on my account?
You may opt out of Mission Courtesy Pay by calling us at 800-500-6328 or by visiting any one of our branches.
Mission Federal Credit Union