Checking accounts that fit your lifestyle
Personal checking options with debit cards to suit your needs
Cash Back Checking
Complete Checking
Opportunity Checking
Student Checking
Personal Checking Accounts At-a-Glance
Plus these benefits for every checking account option7
- Debit Mastercard®
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Unlimited check writing
- Person-to-person payments (when linked to your Debit Mastercard®)
- Member Referral Rewards
- Access to over 55,000 ATMs worldwide
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.
* 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.
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 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.
4 Money orders – Only Opportunity Checking receives one free money order per month.
5 MCCU withdrawal fees waived – Cash Back Checking and Complete Checking receives free MCCU & Foreign ATM withdrawal fees up to $25. Opportunity and Student Checking receive three (3) MCCU withdrawal fees waived at non-Members Choice ATMs per month.
6 Monthly service fee – For Opportunity Checking if no direct deposit or ACH of $400 or more
7 Mobile banking – No mobile deposits for Opportunity Checking