MCCU’s Checking Account MCCU’s Checking Account gives you all the features you want and none of the monthly fees you don't. MCCU checking accounts are free of monthly service charges, minimum balance restrictions, and direct deposit requirements!
Order checks

• Free Online Banking
• Free Bill Pay for active users
• Free Access to online check images
• Dividends on maintained balances over $2,500
• Unlimited check-writing privileges
• No monthly-or-annual fee MasterCard debit cards

Eco Plus^TM
Get paid to go paperless! Earn $.10 per signature-based debit card transaction of $20 or more, up to $25 per month and $300 per year.*  Free e-statements and free online banking are required. Four checks per month may be written for free; each check cleared thereafter is charged $1.

* Earn $.10 per signature-base card transaction of $20 or more; up to $25 per month and $300 per year.

Over 50?
MCCU's Classic Checking
Designed for members over age 50, Classic Checking offers everything listed above, plus free checks, travelers checks, photocopies, wire transfers and money orders. Order checks

Paperless
Pay your bills on-line and you will save time, postage and create a useful “paperless” trail for your recordkeeping purposes. You’ll also help the environment, and help us keep our expenses low. That helps us pass the savings back to you through better rates and lower fees.
Click here to begin or call either 800-296-8871 or 218-625-8500 to have a Member Service Representative walk you through the process.

Overdraft Privilege Service
Save yourself from the high cost of insufficient funds with Overdraft Protection. Avoid the risk of costly merchant and financial institution fees while protecting your credit rating. MCCU Overdraft Protection ensures you only pay one low overdraft transfer fee each time funds are transferred.

Automatic Transfers
Never be late with a payment again; improve your credit score and add convenience! Pay your credit union loan(s) through your Share Savings or Checking account. You can authorize MCCU to automatically transfer funds from your checking or savings account to pay the amount due on your loan. (How? Phone?)

MasterCard Debit Card
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

VISA Balance Check
You can check the balances of your VISA accounts here.

Wire/Electronic Transfers
Transfer money through Western Union offices worldwide. This service is free to Classic Checking account holders; a nominal fee will be charged to others.

Certified/Cashier Checks
Ask your Member Service Representative for assistance.