Regular Share Savings - Millstream Area Credit Union
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Millstream Area Credit Union

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    Regular Share Savings

    The basis of membership at MACU is the Share Savings Account. This is a simple and easy way for individuals to save and track their money or even receive direct deposits from their employer. An initial deposit of $5 is required to open the account, however there are no monthly service fees and no other minimum balances are required to be met.

    Minimum Requirements

    In order to qualify for membership, a person must live, work, worship, or attend school in Hancock County, Seneca County, Hardin County, Allen County, Putnam County, or Wood County in Ohio.

    Acceptable means of primary identification for Unspecified Accounts

    We prefer, but are not limited to accepting only the following:

    1. Valid Driver’s License issued by some Governmental Authority
    2. Passport 
    3. Military ID 
    4. Government Issued Picture ID of any kind

    Acceptable means of secondary identification for Unspecified Accounts

    We prefer, but are not limited to accepting only the following:

    1. Social Security Card
    2. Birth Certificate
    3. Utility Bill (in the name of an account owner)
    4. Credit Bureau Report (can be pulled to verify address)

    *See member identification policy for detailed instruction on ID requirements.

    Account Specifications

    1. Members between the ages of 18 – 59
    2. Members are required to deposit and maintain a $5.00 balance at all times 
    3. Dividends are earned once the average daily balance is $500 and are paid out quarterly 
    4. Primary member has voting rights and the ability to access all services of the Credit Union 
    5. 1 Free ATM card ($10.00 replacement/duplicate fee) 
    6. Has the ability to be hooked to a MACU checking account as an overdraft option 
    7. Eligible to run for the Board of Directors
    8. No monthly maintenance fees 
    9. Unlimited withdrawals/ deposits to account 
    10. Free Online Banking, Mobile Banking, & Telephone Banking
    11. Free electronic funds transfers from merchants 
    12. Free e-Statement option
    13. Monthly e-Newsletters
    14. Shared Branching Services
    15. ACH Originations 
    16. Direct Deposit 
    17. Payroll Deductions  
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