• Open with as little as $5.00
• $500.00 minimum balance to avoid fee ($5.00)
• First order of basic checks FREE
• Online Banking
• Bill Pay
• Mobile Banking
• Mobile Deposit – FREE
• Free usage at over 7,200 SUM network ATMs
• Eight free foreign ATM or Point of Sale transactions
• $3.00 fee for paper statements (fee waived with eStatements)
• Discount on certain Consumer Loans

• Open with as little as $5.00*
• $5,000.00 minimum balance to avoid fee ($15.00)
• Interest bearing – 0.05%^ A.P.Y.**
• First order of basic checks FREE
• Online Banking
• Bill Pay
• Mobile Banking
• Mobile Deposit – FREE
• Free usage at over 7,200 SUM network ATMs
• No MCU ATM fees and 2 non-MCU fees rebated per month
• $3.00 fee for paper statements (fee waived with eStatements)
• Discount on certain Consumer Loans (0.50%)
• $495 off closing costs for Mortgage Loans

A companion to MCU’s Youth Banking Savings Account.  Available to the parents/guardians of students that participate in MCU’s School Banking program at the following schools:

• Elmwood Street Elementary School, Millbury
• Raymond E. Shaw Elementary School, Millbury
• Heard Street Discovery Academy, Worcester
• Gates Lane Elementary School, Worcester
• Millbury Street Elementary School, Grafton

Features of this account:

• Open with $5.00*
• High-yield interest bearing checking account – currently 3.00%^ A.P.Y.**
• Receive direct deposits up to 2 days early
• Online banking
• Bill pay
• Mobile banking
• Mobile deposit
• Free ATM usage at over 6,200 SUM Network ATMs
• $3.00 fee for paper statements
• eStatements – no fee

Available to enrolled students between the ages of 18 and 24. Student ID or acceptance letter is required:

• Open with as little as $5.00
• Online Banking
• Bill Pay
• Mobile Banking
• Mobile Deposit – FREE
• No MCU fees at all non-MCU ATMs
• Reimbursement of 4 fees each month charged at foreign ATMs
• $3.00 fee for paper statements (fee waived with eStatements)

Use your MCU Debit Card to make everyday purchases such as groceries and gas.  Using your MCU Debit Card is easy.  Simply swipe your card, choose “credit”, and sign your name.  Your purchase will appear on your statement with the date, amount and store name. 

• Quick access to cash 24/7 at millions of ATMs worldwide. 
• No fee at MCU ATMs or any of the 7,200 ATMs that are a part of the SUM network, across the country.  Simply look for the SUM symbol at participating ATMs.  If you are going out of town, find out which machines are participating where you are traveling.  
• Using your debit card is safe: MCU uses the highest level of security and fraud prevention.

Protect your debit card through our mobile app with My Cards, by defining when, where and how your card is used.

• Easily turn your card on and off using your smart phone
• Set alerts based on dollar amount and location
• Set spending limits based on dollar amount and location