How does My Grace Zone work?

My Grace Zone is a feature of My Prize and My Relationship Checking that gives you a $50 buffer in case you spend a little more than you have in your account. We know accidents happen and sometimes you forget that you wrote a check or a charge goes through earlier than expected. If you qualify for My Prize or My Relationship Checking, MCU will cover an overdraft of up to $50 without charging a fee.

To take advantage of My Grace Zone, you must be opted into overdraft privilege for ATM and everyday debit card transactions.

To opt in, log into the Mobile App or Digital Banking, go to Account Services (choose More first on the Mobile App), and then Overdraft for Card.