Member Services

Let Mid Carolina do your ACH Origination! You'll never miss an electronic payment or transfer again. This service offers fixed-amount electronic transfers recurring on the same date each month. ACH transactions are not considered wire transfers. There is no fee for processing ACH Originations.

What Is ACH Origination?

ACH Origination is an electronic payment delivery system that allows Mid Carolina to originate and send both debits and credits to participating financial institutions in the U.S.

Funds received via ACH Origination can be credited to your Mid Carolina loan, savings, IRA, and share draft accounts. Payroll deposits, retirement deposits, and Social Security need to be initiated by your Payroll Department or the Social Security Administration. ACH Origination ensures funds are transferred on the date that you designate.

For variable amounts and dates, please use our online Bill Payer service.

Transfer funds with any option below:

Weekly - Semimonthly - Biweekly - Monthly - One Time

Set Up ACH Origination

It's easy to sign up for ACH Origination! Fill out & sign this form, then:

• Fax to (803) 425-1936, or

• Scan & email to Member Services

Once completed, the form will be electronically sent to the credit union for processing. Be sure to keep a copy for your records. Also, be sure and upload a picture of a voided check or mail one to our accounting department at PO Box 549, Lugoff, SC 29078. We must have this to go along with your form. Please note: An ACH cannot be set up with a starter check.

When using your share draft account number, be sure to use your 12-digit account number found on the MICR line of your share draft. If using your savings account, only use your savings account number.

For example, if your account number is 123456, that is how you would format it for your savings account. If originating to or from your share draft account, then the format should look like this: 672430106800.

Wiring money can be a great way to help a friend or family member meet emergency expenses. It's fast and safe, and the fees are reasonably priced.
Please call (803) 432-8521 or (800) 533-4226 to submit a secure wire.

View our current fee schedule.

Why stand in line to deposit your paycheck? Save your time, and send your paycheck, Social Security, government, or retirement check directly to your credit union checking or savings account on payday. Direct Deposit is the safe and convenient way to deposit your checks: Your funds will be deposited directly to your account electronically, accessible by check, telephone banking, online banking, or through the use of your ATM/debit card. You'll never have to worry about your check being lost or stolen.

Mid Carolina Credit Union's safe deposit boxes are individually secured containers used to secure valuable possessions, marketable securities, and/or important documents.

Deposit Box Dimensions and Prices:

• 3×5: $20/year

• 3×10: $35/year

• 5×5: $25/year

• 5×10: $50/year

• 10×10: $75/year

Branch locations with Safe Deposit Boxes:

• Lugoff

• Camden

Prices are subject to change at any time.

Mistakes happen. Usually, when you overdraw your account, it’s the result of a simple mistake and can be traced back to one of the following: a deposit that’s still pending, an error in balancing, or a forgotten transaction. At Mid Carolina CU, we understand this, and that’s why we offer Overdraft Privilege, an added level of protection against unanticipated cash flow emergencies and account reconciliation errors. With Overdraft Privilege, shortages can be covered, allowing your transaction to be processed as you’ve requested. This benefit covers eligible overdrafts up to a predetermined amount at Mid Carolina CU's discretion*.

At Mid Carolina CU, we do not encourage overdrafts. As always, we encourage you to maintain your finances responsibly. The purpose of this privilege is to save you from the embarrassment, additional merchant fees, or other problems that might result if an item is returned or rejected.

Overdraft Privilege is subject to a fee of $30 per instance. This is the same per instance fee we charge for non-sufficient funds [NSF], but also provides you with:

• Protection from merchant-returned checks & ACH charges.

• Protection of your credit.

• Protection from the embarrassment of a rejected debit card transaction of non-sufficient funds and returned checks.

Eligibility is decided by Mid Carolina CU and is based on you managing your checking account in a responsible manner. Overdraft Privilege can be used to cover your checks, individually authorized ACH transactions, and recurring ACH transactions. It can also be used to pay your one-time/everyday debit card transactions if you opt-in. To authorize these transactions, see the form below. You may change your Overdraft Privilege option at any time, opting in or out as you feel appropriate. Simply follow one of the directions below to opt-in or opt-out. Please allow two to three business days for your request to take effect.

For more information, click here to download our fees, conditions, and terms of use.

Other Options for Overdraft Protection

Transferring funds from a Mid Carolina CU savings account

Link your checking account to your savings account for extra protection. You can have a representative set this up for you. Once set up, if you try to complete a transaction, but there aren’t sufficient funds, we’ll automatically draw needed funds from your savings account (including any fees) as available. If you do this and also sign up for Overdraft Privilege, we’ll access your savings account first for needed funds before using Overdraft Privilege and imposing the Overdraft Privilege fee of $30 per transaction.

Where can I find complete details and disclosure information about Overdraft Privilege?

Click here: Disclosure information and details.

Opt-in to Overdraft Privilege today!

An extra level of protection from...emergency expenses, account balancing mistakes, and more.

• Log in to Online Banking, select "Account Services," then "Overdraft Services." Contact us for complete online instructions.

• Call (803) 432-8521

• Print and submit the form in any of these ways: 
  - Mail it to ODP, Mid Carolina CU, PO Box 549, Lugoff, SC 29078
  - Deliver it to your local branch
  - Fax it to (803) 425-1936

*Overdraft Privilege services are at the discretion of Mid Carolina CU, and opting in is not a guarantee that overdrafts will be covered.