Checking Accounts

We offer different checking accounts to fit your individual needs

Money-Wi$e Checking

One of our most popular services is our free Money-Wi$e Checking Account.
A great companion to a Credit Union checking account is the Visa® Debit/ATM Card.

Advantages of a Free Money-Wi$e Checking Account

No monthly service charges
No minimum balance requirements
No per check fees
Free online banking access
No monthly fee electronic bill pay
Automatic transfer from savings to clear an NSF item
Low cost checks
Free direct deposit
Free payroll deduction and automatic transfer payments

Dividend-Wi$e Checking

Dividend-Wi$e Checking Account is tailored for members who like to earn a competitive interest rate on their checking balance. In addition to earning interest, members who choose this program will also have their annual fee waived on their VISA Debit/ATM Card!

Advantages of a Dividend-Wi$e Checking Account

Earn interest each month on your balance
Low monthly minimum daily balance requirement of $500.00*
No annual fee Visa Debit/ATM Card
Automatic transfers from savings to clear an NSF item
Free online banking access
Low cost checks
Free direct deposit
Free payroll deduction and automatic transfer payments

*If your balance drops below $500, a $4.00 fee will be charged to your account.

Young Owner Checking

Tailored for young adults ages 16-24 years old, the Young Owner Checking rewards account holders with up to $5.00 cash back every month.

Advantages of the Young Owner Checking Account

Receive up to $5.00 cash back every month based on debit card transactions*
Receive ATM Service Charge Rebates*
Lower NSF/Overdraft
No monthly service charges
No minimum balance requirements
No annual fee Debit/ATM Card*
Free online banking access
Low cost checks
Free direct deposit
Free payroll deduction and automatic transfer payments

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* E-statements, Online banking and at least 17 posted debit card transactions (POS or SIG based) are required per month to receive ATM Service Charge Rebate and receive 0.75% cash back on each transaction, up to $5.00 per month. ATM Service Charge is $1.00 each when ATM transactions exceed the 5 free per month. Program eligible for MCCU members up to the age of 24. Check out the free Money-Wi$e checking for those ages 25 and over.

Teen Checking

The Teen Checking account is specifically created for those 15 years of age and younger and helps ensure a good start to managing money. The Guide to Money-Getting a Good Start program is designed to put teens (and pre-teens) that are ready to learn about money management into the drivers seat.

Advantages of the Teen Checking Account

Program built to help coach smart use of money, and grow the confidence needed to make smart decisions later.
No monthly service charges
No minimum balance requirements
Receive a free box of checks-with completion of the Guide to Money Assessment
No annual fee Debit/ATM Card-with completion of the Guide to Money Assessment.
Free direct deposit
Free payroll deduction and automatic transfers

Small Business and Associations

If you are a Sole Proprietor business owner, you have access to an affordable business checking account. Save money on monthly fees and large minimum balance requirements to help your business succeed.

Features of a Small Business Checking Account

No minimum balance
$4.00 monthly charge
Free automatic transfer from share account to clear checks
Receive monthly interest with daily average balance of $2,500 or above

Homeowner Associations

We value communities that work hard to make neighborhoods a safe and caring place to call home. This checking account is designed to fit the needs of the community association without being charged like a for-profit entity.

Features of a Homeowner Association Checking Account

No minimum balance
No charge for high volume deposits
Free or discounted checks. Up to $57.00 per anniversary year, when ordered through the credit unions check printer
Receive monthly interest with daily average balance of $500 or above