We are aware of a texting scam that has been received by members and non-members of Miami Federal Credit Union. This is a scam. If you receive a text or email request – DELETE IT – DO NOT CALL THE PHONE NUMBER PROVIDED.

Miami Federal Credit Union, the NCUA or any other credit union affiliate will NEVER contact you by email, text or phone requesting that you provide personal information via email, directing you to visit another site or asking you to leave information on a recording. If you have any doubts simply contact the Credit Union during our regular business hours.

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.