Making your life easier

Checking accounts are all about making your life easier…hey, that’s what Realtime Banking is about, too! Every MCU checking account comes with these basic features:

If you are not a member yet, join MCU to open your accounts. You can transfer funds from another financial institution at no charge. Make your life easier with a MCU checking account.

Free Checking

You like free? Well, Free Checking is for you. Unlimited check writing, no minimum balance required, no monthly service charge and a low opening balance of $25.

Interest Checking

Interest Checking is truly free, with no monthly fees, no minimum balances, no per-check fees, plus free online banking and online bill payment.

  • At least one ACH debit or credit (a direct deposit or automatic payment)
  • Ten Check Card purchases
  • Are enrolled in free E-Statements

Premier Checking

Need more? This checking account has it all!  You earn high dividends on daily balances over $1,500…but that’s just the start:

  • Unlimited check writing· Free checks
  • Never a MCU fee on ATM transactions
  • Discount on safe deposit box; free travelers checks
  • Free Online Bill Payment services (a monthly value of $5.95)
  • Minimum opening balance of $1,500; $10 monthly charge if daily balance falls below $1,500

bounceFREE Overdraft Protection

Everyone does it sometimes…write a check that your account can’t cover. That’s why at MCU, every checking account comes with bounceFREE overdraft protection. Depending on your type of checking account you will automatically be covered up to $300 or $500 in the event your check is bigger than your account balance.

  • Low $30 fee per transfer. No aditional fees apply!
  • Avoid large fees from merchants
  • Avoid the hassle of recovering your check from the merchant
  • Avoid being turned over to a collection agency
  • Avoid the embarrassment you may feel
  • Enjoy the comfort of having a ‘cushion’
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