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Checking Accounts Our checking accounts are “simply” fantastic at MCCU! There’s the Preferred Account for our members 49 and under, and the Classic for members age 50 or better. Both include a lot of features you might have to pay for somewhere else, including our exclusive.. Other outstanding features of our personal checking accounts include...
Preferred Account - for member age 49 and under - No monthly service charge
- Dividends on Maintained Balances over $2,500
- No minimum balance requirements
- Unlimited check writing privileges
- No monthly or annual fee Visa Check Card
- First Box of Checks Free
- Discounts on several styles of checks
- Qwik Cash Credit Line up to $2,000
- 24-Hour Audio Response Teller
Classic Account - for members age 50 and over
- All the features of our Preferred Account, plus...
- Free Checks
- Free Travelers Checks
- Free Photocopies
- Free Wire Transfers
Overdraft Privilege Service - With this useful new service, we will consider paying the overdraft and charging your checking account with a service fee. Save on NSF costs from the merchant and MCCU. Rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider, without obligation, payment of your reasonable overdrafts. For additional information regarding Overdraft Privilege, please click here.
As an MCCU Personal Checking account holder, this discretionary overdraft service requires no action on your part. You do not have to sign any additional documents and it costs you nothing unless you use the service by initiating checks or payments from your MCCU Bill Payer service for more than the amount of collected (available) funds you have on deposit in your account.
We can't promise to pay every overdraft, and are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds even if we may have previously paid such items. Our new Overdraft Privilege service can be a big help in helping you avoid NSF charges from retailers, and provide additional convenience and flexibility in managing your funds.
Apply for our checking accounts at any of our offices, over the phone, or using our online application.
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