Personal 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.

* Cash Back Checking Account Qualifications: In order to receive the additional benefits as described herein for a particular monthly qualification cycle, you must receive monthly e-Statements for the account.

** Complete Checking Account Qualifications: In order to receive dividends and the additional benefits as described in provisions 9b. through 9c. for a particular monthly qualification cycle, you must receive monthly e-Statements, initiate a minimum of (10) debit card purchases per month, and maintain a minimum aggregate direct deposit of $150.00 to this account per month. Account qualifications are checked on the last day of each month. If you start a new Complete Checking rather than converting from another checking account you have with us, you will receive qualifying dividends, ATM fee rebates and cash back on debit card transactions as described herein during the calendar month in which you started the account regardless of whether or not you meet the qualification requirements.

*** APY=Annual Percentage Yield. For Complete Checking, terms and conditions apply to earn interest. For Student Saver checking, there are no requirements to earn interest.

¹ 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.

² Earn Interest: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive 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. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle. See dividend table for additional details on rates by balance tier.

³ Complete Checking Debit Cashback Rewards: If the account qualifications are met for a monthly qualification cycle for the Complete Checking account, 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. Cash Back Checking Debit Cashback Rewards: If the account qualifications are met for a monthly cycle, you will be refunded a percentage of the total amount of debit card purchases posted to the acct during that cycle. You will be refunded 0% if you perform nine or fewer debit card transactions during the cycle, 0.05% cash back on 10 to 49 transactions (calculated from first transaction), and 0.10% on more than 50 transactions (calculated from first transaction). There is no limit to the amount of cash back you receive in any monthly qualification cycle.

⁴ Zelle®: Members must have an active Checking account in order to enroll to Send or Receive money with Zelle®. Members with Opportunity Checking are excluded from accessing the Zelle® service—once able to convert to a different type of checking account, you will be eligible for Zelle. Members must be in good standing with their loans and accounts. Zelle will be available for Student Saver Checking members under the age of 18, but is not intended for children under 13.

⁵ Money orders: Only Opportunity Checking receives one free money order per month.

⁶ MCCU withdrawal fees waived: Cash Back Checking, Complete Checking and Student Saver Checking receive free MCCU & Foreign ATM withdrawal fees up to $25. Opportunity Checking receives three (3) MCCU withdrawal fees waived at non-Members Choice ATMs per month. 

⁷ Monthly service fee: For Opportunity Checking if no direct deposit or ACH of $400 or more.

⁸ Mobile banking – No mobile deposits for Opportunity Checking or students below ages 16.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.