Skip the fees and minimum balances1
It's simple to manage your finances with a free Checking account.
Free ATM access
Access to 40,000+ MoneyPass® surcharge-free ATMs nationwide.2
Early access to direct deposit
Get paid a few days early. Direct deposits hit your account faster.3
No monthly fees
A free checking account with no monthly maintenance fees.
No minimum balance
There are no fees if your account dips below a certain level, as long as your balance is positive.
Earn dividends
Reach your financial goals faster, earning dividends on balances of $2,500 and over.
Overdraft protection
Enjoy overdraft protection options to avoid unnecessary fees.4
Today's rates
View more ratesCalculate your monthly savings6
Final Balance
Contributions: | Earnings:Get paid earlier
Your direct deposit can hit your account a few days early, so you don't wait as long to get paid.
Less fees, please
With no monthly fees or minimum balance requirements for checking accounts, you'll save more.
Members tell us they feel like they're treated like family and appreciate their interactions with employees.
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1
Open a Checking account
Apply online, at a branch, or through video banking.
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2
Make an initial deposit
Add some funds to get started.
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3
Manage your money
Use online and mobile banking to keep track of your finances.
Have questions? We're here to help!
Managing your finances, simplified
We make banking easy and affordable. Skip the monthly fees and minimum balance requirements with a Checking account.
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Disclosures
1 Checking accounts do not have maintenance or transaction fees; other fees may apply.
2 Members Cooperative Credit Union is a participant in the MoneyPass® ATM network. If a location has more than one ATM, look for the appropriate logo at the ATM or on the ATM screen.
3 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.
4 Overdraft services are subject to Members overdraft governance documents.
5 APY is the Annual Percentage Yield. The stated APY is effective as of December 3, 2024. The APY is variable and may change at any time, and the rate may change after the account is opened. Daily balances of $2,500 or more earn interest when held in a checking account. Daily balances below $2,500 do not earn interest. Fees may reduce earnings.
6 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a checking account. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
Membership required and subject to account requirements.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. 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.
Rates
Checking account rates
Account | Minimum balance | APY |
---|---|---|
Checking |
$2,500.00 |
0.01 |
Open Account
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North Branch Building:
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