Get more fRom your checking

Totally free checking options from MCCU¹

MCCU offers checking accounts that are completely free from unnecessary monthly fees and bundled with convenient features to make your life easier. Choose from options designed with you in mind.

Checking

• 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

EcoChoice^TM Checking

• Best for individuals that write less than 8 checks per month
• For those that prefer to pay with a debit card
• Can earn up to $300 cash back per year for debit card transactions²
• Earns dividends if $2,500 balance is maintained throughout the month
• Requires e-Statements

Student Checking

• For teens ages 13 – 18
• Includes a debit card
• Can earn up to $300 cash back per year for debit card transactions²
• Earns dividends if $2,500 balance is maintained throughout the month
• Requires e-Statements
• Parent or guardian have complete access to the account

Benefits for MCCU members

All MCCU checking accounts include:

• No minimum balance
• No monthly maintenance fees
• Online banking and mobile app⁴ 
• Early access to direct deposits, like your paycheck (Early Pay Direct Deposit)⁵
• 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.

Open a checking account today!

Rates

(1) No monthly maintenance fees or minimum balances required. Other fees may apply. See fee schedule.  
(2) Earn $.10 per signature-based debit card transaction of $20 or more, up to $25 per calendar month and $300 per year.
(3) APY is the annual percentage yield. APY is effective as of March 14, 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) 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 providers. 
(5) 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.