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.

Courtesy Pay works in addition to your overdraft protection for your checking account. If you write a check or authorize an ACH transaction and overdraft protection cannot cover the funds, Courtesy Pay may pay the transaction for you so it does not "bounce." A $30 fee is assessed each time Courtesy Pay is used.*




  • Balance Shield will protect your account. A Courtesy Pay fee will not be assessed for transactions resulting in a balance of $0.00 to -$5.00.
  • Avoid the embarrassment of bouncing a check or ACH transaction
  • No merchant fees for a returned check or ACH transaction
  • Courtesy Pay eliminates the chance that the NSF check or ACH transaction will be reported to a check reporting service

When Courtesy Pay is used, you will be notified of the transaction, and your checking account must be brought to a positive status immediately upon notification.


*Qualified members automatically receive this service. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay if your account is not in good standing. Business or Organizational accounts, temporary residents, and members with accounts in default will not be granted this service.

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.