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Free Checking & Debit Accounts

It's the easiest way to pay! 

We offer two versions of our regular checking accounts - or earn while you save paper with Student Checking or EcoChoiceTM.

Share Draft

Our basic checking account lets you enjoy all the features you want and none of the monthly fees you don't.

Share Draft Checking offers:


Classic Checking

Our checking account for members 50+ offers all of the features of our regular Share Draft account, plus a few additional perks.

Classic Checking offers:

  • Free online banking
  • Free bill pay for active users
  • Free online check images
  • Dividends on maintained balances over $2,500
  • No-fee MasterCard® debit cards

 

EcoChoice

A great checking option for saving money and the environment!

Make the switch to EcoChoiceTM checking from Members Cooperative Credit Union. EcoChoiceTM is an environmentally friendly, paperless checking account that makes doing the right thing rewarding. When you enroll, you’ll not only help keep our beautiful parks, trails and campgrounds clean and kid-friendly – you’ll also get paid for it. With EcoChoiceTM, you can earn $.10 per signature-based debit card transaction of $20 or more, up to $25 per month and $300 per year.* Your first eight (8) paper checks each month clear for free.**

EcoChoiceTM offers:

  • Free online banking
  • Free bill pay for active users
  • Free online check images
  • Dividends on maintained balances over $2,500
  • No-fee MasterCard® debit cards

 

* Earn $.10 per signature-based card transaction of $20 or more; up to $25 per month and $300 per year. ** Each check cleared thereafter is charged $1. 


 

Student Checking

A checking option that meets the needs of busy students

MCCU's student checking is a great option for active students. Bank from anywhere, anytime with this paperless checking account that offers free and convenient digital products like eStatements, online banking, bill pay, and our free mobile app with mobile deposit capture. It also pays you money for qualifying purchases. With Student Checking, you can earn $.10 per signature-based debit card transaction of $20 or more, up to $25 per month and $300 per year.* Your first eight (8) paper checks each month clear for free.**

Student Checking offers:

  • Free online banking
  • Free bill pay for active users
  • Free online check images
  • Dividends on maintained balances over $2,500
  • No-fee MasterCard® debit cards

* Earn $.10 per signature-based card transaction of $20 or more; up to $25 per month and $300 per year. ** Each check cleared thereafter is charged $1.


 To report a lost/stolen MasterCard® debit card, please call:

Domestic: (800) 264-5578

International: (701) 461-0621

To activate or change your PIN for your ATM or debit card, please call: (800) 448-8268.

 

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