Everything You Need In A Checking Account

Today your checking account should provide you more than just basic service. That's why more and more members are switching to an MCCU checking account and discovering just how much more our account has to offer. We provide the most convenient and money-saving checking accounts you'll find anywhere. Check out the features for yourself and find out what you're missing if you're not checking with us.

Reward Checking

Reward Checking is here! This Checking Account is free and pays a dividend on all funds in your account, but you will receive a “bonus rate” on all balances UNDER $25,000 when monthly requirements are met. To receive the bonus rate you simply use your debit card at least 10 times, sign up for E-Statements and receive at least one direct deposit or one ACH auto debit to your account each month. In addition, all nationwide ATM fees up to $25 per month are refunded - automatically! We reward our members every day at Members Choice! Sign up today.

  • No Monthly Fee
  • Minimum $100 to open
  • Overdraft protection from Savings or Line of Credit
  • Unlimited Check Writing
  • Monthly Estatement
  • Free Debit Card
  • Worldwide ATM Access
  • Free Home Banking
Reward Checking requires $100 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, the current tiered Bonus rate is paid on balances between one penny and $25,000, and the Base rate on any balance above $25,000. If requirements are met in the statement cycle, ATM fees up to $25 per month will be refunded. Requirements for earning the Bonus rate and fee refunds include: 10 debit card transactions with a post date in the statement cycle, (ATM transactions excluded), electronic statement delivery and one direct deposit or ACH auto debit per statement cycle. If you do not meet the requirements during the statement cycle, you will earn the Base rate of .10% APY and you will not receive the ATM refunds. ATM fee refunds are reportable to the IRS. We may change the rate, APY and requirements at any time. Fees may reduce earnings. Membership required by opening a savings account with at least $5. Membership requirements apply. Available for personal accounts only. Limit two Reward Checking accounts per person. Reward Checking account cannot have more than four non sufficient funds/overdraft items per month. Interest will be paid the first business day of the month for the previous month. APY = Annual Percentage Yield. Reward checking is powered by BancVue.

Fat Free Checking

  • No Monthly Fee
  • 3 Free ATM transactions per month at MCCU non-owned ATM locations
  • Minimum $25 to open
  • Overdraft Protection from Savings or Line of Credit
  • Unlimited Check Writing
  • Monthly Statement
  • Free Debit Card or ATM Card
  • Worldwide ATM Access
  • Free Access through Audio Response & PC Home Banking

Protect Your Account

Overdraft protection is available for automatic transfers of funds from your MCCU savings account to your checking account in $50 increments when you need it. You can also establish a line of credit at the Credit Union to provide this same protection. Line of Credit advances are made in $100 increments. Both of these options protect your account against overdrafts and give you access to funds that can be transferred to your account automatically. This gives you a secure feeling knowing the money is there when you need it.

Add Some Extra Convenience

You can make deposits automatically through direct deposit so your money is immediately available. VISA debit card or ATM card provides 24-hour access to your checking account at millions of locations across the United States and around the world. Plus, with our Audio Response System and Home Banking, you can make checking withdrawals, balance inquiries, find out which checks have cleared your account and much more. With this complete package of added checking services, your account offers the ultimate in checking convenience.

Sign Up Today

Opening your MCCU checking account is simple and easy. We will order personalized checks for you as soon as a signed checking agreement, a copy of a photo I.D. for all signers. You should have your new checks within eight to ten working days, with your account being automatically debited for the checks. A starter kit of six complimentary counter checks will be issued with each new checking account.

You can open your new checking account at any office. Call us for additional details.

Checking at MCCU...it's designed with you in mind. Open your account today and start checking with an account that fits all your needs.

 

 

 

 

 

 

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