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Basic Checking Account

Simple and efficient free checking with no monthly service fees or minimum balance requirements

If you’re looking for a simple way to make managing your money easier, a Basic Checking account is the perfect solution. You’ll have complete control of your funds without any monthly service fees or minimum balance requirements.
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Free mobile and online banking

Have total access to your account and past transactions at your fingertips
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No monthly service fees

You’ll never receive a monthly service fee, regardless of your account balance
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Waived ATM fees

Up to 3 MCCU withdrawal fees waived for non-MCCU ATMs per month

Explore Basic Checking

  • No monthly service fees
  • No minimum balance requirements
  • Three MCCU withdrawal fees waived at non-Members Choice ATMs per month.

Plus these benefits

Requirements

  • $25 minimum deposit to open

Are you ready to take control?

Open an account as a new member with one of these easy options

Join Online

Apply online now to open your membership account

Join in a Branch

Visit a branch to open your account
Current Members Choice members, you can “Quick Apply” for new Basic Checking account in online banking or your mobile app. Login, and click on the “Quick Apply” widget in the main navigation to get started (you may need to click on the “More” button to view).

FAQs about Basic Checking

Yes! Shared Branching is a network of 5,000+ credit unions who service each other's members. Simply present your Members Choice Credit Union Account/Member number and a valid government or state issued ID at any Shared Branch location and you can make deposits, withdrawals or loan payments. Policies and procedures differ at each location. Visit our locator page to find a shared branch or ATM near you.
You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900. Please be advised that when calling outside of regular business hours, live representatives have limited account access.
SavvyMoney is a free comprehensive Credit Score program offered by Members Choice, that helps you stay on top of your credit. In your Online Banking portal, you can get your latest credit score and report, an understanding of key factors that affect the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how MCCU can help save you money. The program also monitors your credit report daily and informs you by email if there are any big changes detected such as a new account being opened, a change in address or employment, a delinquency reported, or an inquiry made. Monitoring helps you keep an eye out for identity theft as well.
You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements, please contact Member Services at 281.398.9900 or toll free 800.753.2428, or stop by one of our branches.
To sign up for Direct Deposit, please contact your employer's payroll department. You will need to provide them with the routing number 313083196 and your 13 digit account number. If your employer requires documentation for initial set-up, you may provide them with a voided check or download the Direct Deposit Instructions Form (PDF).
 
 
 
 
 
 

Looking for other personal checking options?

Explore Cash Back Checking

Get rewarded with cash back on all of your debit card related transactions. Learn more about Cash Back Checking

Explore Basic Checking

A simple way to make managing your money easier. Learn more about Basic Checking

Explore Opportunity Checking

Second-chance checking for those with a less-than-perfect credit history. Learn more about Opportunity Checking


Explore Student Checking

Perfect for students, ages 15-22, looking to manage their finances. Learn more about Student Checking

Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.