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Checking Account

Skip the fees and minimum balances1

It's simple to manage your finances with a free Checking account.


Free ATM access

Access to 40,000+ MoneyPass® surcharge-free ATMs nationwide.2


Early access to direct deposit

Get paid a few days early. Direct deposits hit your account faster.3


No monthly fees

A free checking account with no monthly maintenance fees.


No minimum balance

There are no fees if your account dips below a certain level, as long as your balance is positive.


Earn dividends

Reach your financial goals faster, earning dividends on balances of $2,500 and over.


Overdraft protection

Enjoy overdraft protection options to avoid unnecessary fees.4

Today's rates

View more rates
As high as % APY5

Calculate your monthly savings6

Final Balance

Contributions:     |    Earnings: 
Early Access to Direct Deposits

Get paid earlier

Your direct deposit can hit your account a few days early, so you don't wait as long to get paid.

Senior man banking online using laptop
No Additional Fees

Less fees, please

With no monthly fees or minimum balance requirements for checking accounts, you'll save more.

Woman paying online bills from home using her credit card

Members tell us they feel like they're treated like family and appreciate their interactions with employees.

— 2022 Avtex Findings Report

How it works

It's easy to get a free Checking account.

  • 1

    Open a Checking account

    Apply online, at a branch, or through video banking.

  • 2

    Make an initial deposit

    Add some funds to get started.

  • 3

    Manage your money

    Use online and mobile banking to keep track of your finances.

Open an account

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 1-800-296-8871

Managing your finances, simplified


We make banking easy and affordable. Skip the monthly fees and minimum balance requirements with a Checking account.


Open an account

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1 Checking accounts do not have maintenance or transaction fees; other fees may apply.
2 Members Cooperative Credit Union is a participant in the MoneyPass® ATM network. If a location has more than one ATM, look for the appropriate logo at the ATM or on the ATM screen.
3 Eligible funds received via direct deposit may be accessed up to three days before the scheduled payment date. The date funds will be available may vary for each payment, including recurring deposits, and is dependent on the timing of the payor’s submission and the discretion of the credit union.
4 Overdraft services are subject to Members overdraft governance documents.
5 APY is the Annual Percentage Yield. The stated APY is effective as of May 26, 2024. The APY is variable and may change at any time, and the rate may change after the account is opened. Daily balances of $2,500 or more earn interest when held in a checking account. Daily balances below $2,500 do not earn interest. Fees may reduce earnings.
6 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a checking account. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership required and subject to account requirements.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking

Memorial Day Holiday Closure All offices will be closed on Monday, May 27, in observance of Memorial Day. ATMs, mobile services, and online banking are available 24/7! View all our holiday closures.