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Contact Us

    • Use the form below to contact us directly for general questions or to provide feedback. Please do not include member numbers or account numbers. If your need is urgent, we invite you to contact us by phone at: 800-296-8871 or stop by any of our office locations.

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    Members Cooperative Credit Union Go to main content

    Online Banking


    Checking Accounts


    • Basic checking account
    • Best for individuals that write 8 or more checks per month
    • Unlimited number of checks per month
    • Earns dividends if $2,500 balance is maintained throughout the month

    Benefits for MCCU Members

    All MCCU checking accounts include:

    • No minimum balance
    • No monthly maintenance fees
    • Online banking and mobile app2 
    • Early access to direct deposits, like your paycheck (Early Pay Direct Deposit)4
    • Fee free access to over 40,000 ATMs in the MoneyPass® Network 
    • Debit card controls 
    • And more!

    As a preferred debit cardholder, you have access to insurance, retail protection, and travel services, as outlined in our Mastercard Guide to Benefits.


    Have questions? We're here to help! 

    Schedule an appointment, call us at: 218-625-8500 or use our convenient video banking service to open an account.

    Order Checks Here

    Click here to report a lost or stolen debit card


    Checking Account
    NameAPY 3
    Checking 0.05%

    (1) No monthly maintenance fees or minimum balances required. Other fees may apply. See fee schedule.  
    (2) Services such as online banking and bill pay may require that you sign up and agree to applicable terms and conditions. When applicable, 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 provider.
    (3) APY is the annual percentage yield. APY is effective as of August 10, 2023, and may change anytime and without notice. A minimum balance of $2,500 is needed to earn the stated APY. Fees could reduce earnings on an account.
    (4) 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. 

    Routing Number: 291973454

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    NCUAEqual Housing Lender

    This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the federal Fair Housing Act and Equal Credit Opportunity Act.

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