Routing Number: 272479663
Swift Code: MSUCUS44
MSUFCU | Account Services | Overdraft Protection

Simple Solutions

MSUFCU offers simple solutions and options to cover transactions when one account has insufficient funds. With overdraft protection, you'll feel safe knowing you have a back-up plan.

Introducing MSUFCU's Balance Shield!


Whether it’s an emergency or simply a case of forgetfulness, overdrafts can happen. At MSUFCU we understand that mistakes happen. We also understand that a simple overdraft can be costly, turning a slightly negative balance into a much larger problem.


Balance Shield is a common sense policy that allows you to overdraft your account up to $5.00 with no fee! Balance Shield applies to both Courtesy Pay and Courtesy Pay for Debit (when opted in), on personal checking accounts1 and associated debit cards.

It doesn’t matter how many transactions it takes you to get to negative $5.00, or why your account was overdrafted in the first place, no fee will be assessed until your balance exceeds -$5.00. However, MSUFCU always recommends you bring any negative balance positive as soon as possible to avoid additional fees and keep your account in good standing.


For example:
Transaction Transaction Amount New Balance
(starting balance)   $50.00
Check withdrawal - $25.00 $25.00
Debit Card withdrawal #1 - $20.00 $5.00
Debit Card withdrawal #2 - $8.00 - $3.00 (no additional fee)
Debit Card withdrawal #3 - $1.29 - $4.29 (no additional fee)
Debit Card withdrawal #4 - $5.41 - $9.70 (Fee will be assessed because balance reached the -$5.00 limit)
Courtesy Pay for Debit Fee - $30.00 - $39.70


Did You Know?
At MSUFCU, Balance Shield isn’t the only way we help our members through a more thoughtful approach. We also clear your personal checks in a manner that allows you to get more out of the money in your account. When clearing multiple checks, we will clear them in order of lowest dollar amount to highest dollar amount. This practice helps you clear more checks and reduces fees if the funds are not available to cover every check.


Our approach to overdrafted accounts is just one way MSUFCU thinks differently by thinking about you.


1Balance Shield not available for MSUFCU's Rebuild Checking.