Complete Checking Account

High-yield checking – earn up to 4.07% APY* each month

Open an Account

Members Choice Complete Checking® is a high-yield checking account that also earns cashback rewards on everyday debit card purchases to help you earn more on your money.

Plus, this all comes with an "Early Pay" feature to get paid up to two days early, no monthly service fees, and no minimum balance requirements. It’s truly frustration-free checking.

yellow gold icon-plant with money symbol

Earn higher yields to save more

Earn up to 4.07% APY* with no minimum balance requirements.1 Plus, debit card cashback rewards add more money in your pocket.2
red icon-cash in hand symbol

Get paid early with Early Pay

When you set up any direct deposit, you can get paid up to two days early.3 An exclusive, free feature for your account.
icon-money and card symbol

Skip the monthly fees

You’ll never receive a monthly service fee, regardless of your account balance. And there are no service fees to talk to a live representative in person or by phone.

Explore Complete Checking

A high-yield checking account with a free debit card that earns you cashback rewards – plus you can open and manage your account anywhere, anytime, using mobile banking. If you're a current member at Members Choice and would like to convert your existing checking account to complete checking, follow the steps below.

High-yield dividend rates

Our Complete Checking account will pay you monthly interest on your account balance. You’ll earn more interest than with other savings account options, but with all the freedom a checking account offers.

Balances up to $2,000 can earn 4.07% APY. That’s 50x the National Checking Interest Rate!*

Balance Tiers Dividend Rate1 APY*
$0.01 - $1,999.99 4.00% 4.07%

Earn Dividends with1
No minimum balance required.

No monthly maintenance fees.
$2,000 - $9,999.99 1.49% 4.07% - 2.02%
$10,000 - $14,999.99 0.75% 2.02%  - 1.59%
$15,000 and higher 0.05% 1.59% - 0.28%

 

Debit Mastercard® cashback rewards

Our debit card is free and has no limit on the rewards you can earn, so you can relax and see your cashback rewards grow as you use it for everyday spending.

Earn unlimited cash back rewards on all Debit Mastercard® purchases2

  • Cashback rate is 0.10% on all debit card related purchases – both in person and online
  • No cashback transaction limitations — unlike other options, there are no monthly purchase limits on your cashback rewards
  • Cashback rewards are paid monthly 


Get paid up to two days early

You’ll love getting paid early when you direct deposit your funds into your new Members Choice Complete Checking® account. Paychecks, monthly government deposits, or any other direct deposit into your account will be paid up to two days early.3

Early Pay is a free feature – there are no fees to use this benefit.


Plus these benefits4


General requirements

  • No minimum deposit to open
  • No minimum balance requirement
  • Debit Mastercard® (to receive the debit card rewards)

Account requirements to receive monthly dividend payout

  • Total monthly direct deposits of $150 or more
  • Ten or more Debit Mastercard® purchases a month
  • eStatements only

Have a Side Hustle? Check out Side Hustle Banking™.

Balancing a full-time job with a side business is no small feat. That's why we've crafted the ultimate banking solution tailored just for you – the passionate, the ambitious, the side hustler. With Side Hustle Banking™, you can manage your dual income streams with ease and efficiency, ensuring your financial journey is as smooth as your entrepreneurial spirit. 
  • “Duo Discount” Loan Rate Discounts for Side Hustlers: Benefit your pocketbook with exclusive loan discounts for your personal needs. Get .50% in loan rate discounts for a Personal Auto Loan or Personal Unsecured Loan when you have both your personal and business accounts with us.5


Have questions for one of our representatives?

Fill out the short form below to hear back within the next business day.

Are you ready to get rewarded?

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

Open a Complete Checking Account Online

Open an Account in a Branch

To apply in person, visit a branch near you.

Current Members:
Ready to convert your existing checking account?

For existing members, if you already have a checking account and want to request a checking conversion, use one of these three methods to convert your account to Complete Checking:
Log into your online banking and click on Quick Apply > Account > Open an additional account > Checking > Select the "Converting an existing checking share" dropdown

Fill out our Checking Conversion form and send it to us via online banking by composing a new secured message

Fill out our Checking Conversion form and email it to memberservices@mccu.com along with two forms of ID

FAQs about Complete Checking

Members Choice often receives a message up to two days before your direct deposit to let us know that the money is on the way. When this happens, we can reduce the extra processing time to get your money in your hands sooner.
 
Early Pay is a feature only available through Complete Checking! If you would like access to this feature you may convert your current checking account with this PDF form request over to Complete Checking or open a new checking account.
Nope! Early Pay is a free, automatic feature for Members Choice Complete Checking® accounts. You don’t have to pay a fee to get paid early.

Possibly. There are a few factors that impact the delivery of your direct deposit. You might get your direct deposit between two days earlier and on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:

  • You recently set up direct deposit for the first time
  • Your deposit type is not eligible, such as a bank-to-bank transfer
  • There’s a payroll system issue from your payer
  • You reached the transaction limit or monthly deposit dollar limit for early processing
  • Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday
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).
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 Accounts menu
  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.

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 our personal checking options?

Explore Complete Checking

Get paid up to 2 days early and earn a higher dividend rate when you sign up for direct deposit, make debit card purchases and more. Members Choice Complete CheckingTM also includes all of the benefits of Cash Back Checking, along with no monthly fee, and no minimum balance requirement. Learn more about Complete Checking

Explore Cash Back Checking

Earn unlimited cash back on your debit card purchases each month. Members Choice Cash Back Checking has no monthly fees, no direct deposit requirement, and no minimum balance requirement. Learn more about Cash Back Checking

Explore Student Saver Checking

Perfect for students, ages 10-17, looking to have access to a debit card for purchases, manage their finances, and build a banking history. Learn more about Student Saver 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. 


*APY=Annual Percentage Yield. National Checking Interest Rate data as of May 20, 2024.


1 Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle.

Complete Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier.


2 Debit Cashback Rewards: If the account qualifications are met for a monthly qualification cycle for the Complete Checking account (monthly eStatements, initiate a minimum of (10) debit card purchases per month, and maintain an aggregate minimum direct deposit of $150.00 to this account per month), you will be refunded .10% of the amount of debit card purchases posted to your account during that cycle. There is no limitation to the amount of cash back you receive in any Monthly Qualification Cycle.


3 Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.


4 ATM Fee Rebates: For any Complete Checking account, if you have met your qualifications during the monthly qualification cycle (monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month), we will reimburse you for ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for one qualification cycle. ATM fee rebates will be transferred to your checking account. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.


5 To qualify for the Duo Discount on your personal account, you need to meet these requirements:
  • Must maintain an average monthly balance of $2,500 in the business checking account for the previous 90 days to qualify.
  • Only members with both the stated business checking account and personal Complete Checking account in good standing qualify.
  • Discounts are for an Unsecured Personal Loan or Personal Auto Loan and can not be combined with any other discounts or offers.
  • If a member qualifies for both, the discount can apply to both loans.
  • The only limit is one unsecured loan discount and one auto loan discount per member.
  • Not offered for business lending.