MCU

Checking Accounts

MCU offers a variety of Checking programs.

Anytime. Anywhere. Checking

  • No minimum balance

  • Unlimited check writing

  • Free first order of specialty checks OR a 50% discount on designer checks

  • 24/7 account access with Mobile Banking

  • Mobile deposit ($1.00 fee per deposit)

  • Free MCU Debit card

  • Free usage at over 7,200 SUM network ATMs

  • Four free foreign ATM or Point of Sale transactions

  • Free Internet Banking

  • Free Bill Pay

  • Free eStatements

  • $3.00 fee for paper statements (fee waived with eStatements)

NOW Checking

  • Earn Interest on balances

  • Low minimum balance to avoid monthly fee

  • 24/7 account access with Mobile Banking

  • Mobile Deposit ($1.00 fee per deposit)

  • Free MCU Debit Card

  • Free usage at over 7,200 SUM network ATMs

  • Four free foreign ATM or Point of Sale transactions

  • Free Internet Banking

  • Free Bill Pay

  • Free eStatements

  • $3.00 fee for paper statements (fee waived with eStatements)

Monthly service fee on balances below $400::

  • $0.00 - $199.99: $3.00

  • $200.00 - $299.99: $2.00

  • $300.00 - $399.99: $1.00

Student Checking*

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

  • No minimum balance

  • Unlimited check writing

  • 24/7 account access with Mobile Banking

  • Mobile Deposit ($1.00 fee for each deposit)

  • Free MCU Debit card

  • No MCU fees at all non-MCU ATMs

  • Reimbursement of 4 fees each month charged at foreign ATMs

  • Free usage at over 7,200 SUM network ATMs

  • Free Internet Banking

  • Free Bill Pay

  • Free eStatements

  • Free Telephone Teller

  • $3.00 fee for paper statements (fee waived with eStatements)

*must enroll in eStatements to qualify for Student Checking

Debit Card

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. 

MCU’s Debit Card also gives you quick access to cash 24 hours a day, seven days a week at millions of ATMs worldwide.  Best of all, there is no fee for using an MCU ATM 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. Sum Network

Most importantly, using your MCU Debit Card is SAFE because we use the highest level of security and fraud prevention.  If a debit card transaction is out of character from your normal spending habits, you may receive a telephone call asking for you to verify recent card activity. Keep in mind that MCU will never ask you to provide personal information such as account numbers or your social security number.  When you use your MCU Debit MasterCard®, you can feel secure in the knowledge that MCU is working behind the scenes to protect you and give you peace of mind.

Mastercard SecureCode Registration
MasterCard® SecureCode is a service that allows you to protect your debit card purchases over the Internet by using a personal SecureCode.  Once you've registered your card, you'll be asked for your MasterCard® SecureCode at participating online retailers, preventing unauthorized usage of your card at participating online retailers

CardValet

Protect your debit card through your mobile device by receiving alerts and defining when, where and how your payment card(s) are used.

Just click on the CardValet logo to find out how.


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