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.
Free mobile and online banking
Have total access to your account and past transactions at your fingertips
No monthly service fees
You’ll never receive a monthly service fee, regardless of your account balance
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
- Debit Mastercard®
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Check ordering
- Unlimited check writing
- Person-to-person payments
- Shared Branching and ATMs Worldwide
- $25 minimum deposit to open
Are you ready to take control?
Open an account as a new member with one of these easy options
Apply online now to open your membership 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
Do you participate in Shared Branching with other credit unions?
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.
Is my account information available 24-hours a day?
What is SavvyMoney Credit Score?
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.
How can I get a copy of my account statement?
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.
How can I sign up for Direct Deposit?
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
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.