Check Cards

Looks Like a Credit Card. Works Like a Check
As a Mid-Illini Credit Union member, you have access to our ATM/Check Cards that allow you to make purchases and get cash 24/7 from your checking and/or savings accounts. It’s your ATM and checkbook rolled into one card.

The ATM part of the card allows you to get cash from your savings and/or checking accounts 24 hours a day from just about any ATM nationwide. Transactions are debited from your accounts.

MICU has nine free ATM machines in Bloomington-Normal.

Dozens of other local machines only charge a 50-cent fee.  Some withdrawal limits may apply - usually $500 in any 24-hour period.

The debit part of the card works like an electronic checking account. Transactions require a PIN number and money is debited from your accounts. You are allowed to make purchases totaling $300 per business day using your PIN number. Unlike a credit card option, if your account has insufficient funds your transaction will be denied. The total dollar limit for ATM and PIN transactions is usually $800 in any 24-hour period.

The credit part of the card allows you to access your checking and savings for purchases, but is limited only by the balance in your account. You can withdraw the amount in your account based on the balance the previous business day. If you attempt to withdraw more than your account balance shows, your transaction will be denied. There is no PIN; however, your signature is required on transactions.

UChoose Rewards when you use your MId-Illini Visa Rewards card (debit card), say "credit" and sign for the puchase. Then, you'll automatically get rewards points (1 point for every $2 purchase) that you can use to buy merchandise, gift cards and services at www.uchooserewards.com. The program is free, but you have to register your card to sign up, so visit the website and start taking advantage of this value-added service today!

Lost or stolen cards?  Call (800) 554-8969 immediately to report your card lost or stolen.