Important Notice:

Miami Federal Credit Union branch lobbies are closed for members’ access until further notice. MFCU makes decisions in the best interest of our members, employees, and the community. We are prepared to offer a variety of financial assistance solutions for members affected by the pandemic and encourage members to take advantage of our mobile app, and online services as we continue to practice social distancing. Have a question? We will call you, let us know via e-mail or call us at 305-377-1017.

Please keep updated with MFCU’s response to COVID-19

Overdraft Protection

Mistakes are Inevitable… OOPS!   Overdrafts Aren't.

Due to federally mandated changes in the way financial institutions do business, the time it takes for checks to clear may be dramatically reduced. To protect your checking account in the event of insufficient funds, we offer Overdraft Privilege. With Overdraft Privilege, you may avoid the embarrassment of returned checks, merchant fee expenses and even potential damage to your credit rating! Overdraft Privilege allows us to consider, without obligation on our part, payment of your reasonable overdrafts. Overdraft Privilege is not a line of credit and should not be used to finance routine expenses. Not all accounts are eligible; some restrictions apply. Fees are outlined in the Discretionary Overdraft Privilege Policy.

  • No annual fee

  • No interest charge (NSF fees still apply)

  • Overdrafts may be covered up to $500 after subtracting the amount of the overdraft fee(s)

How to sign up for Overdraft Privilege:


We’re better than a bank. We’re your Credit Union.