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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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Easy 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


  • $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

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.
You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements,
  1. Login to online banking
  2. Select eDocs from the main menu (you may need to select MORE… to see eDocs)
  3. Select the Delivery Preference you would like to change – either all accounts or just select accounts
  4. Select save
  5. Review and accept to the site terms
If you have questions, 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).
Yes, your Members Choice Debit Mastercard can be added to either Venmo or Zelle for quick, secure and easy payments to friends and family. Click here for instructions: Venmo and Zelle

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 Student Checking

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


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