Checking accounts that fit your lifestyle
Regardless of where you are in life, the right checking account can help you reach your goals. Whether you’re looking to handle monthly bills and everyday purchases, or want to find new ways to earn rewards and save on fees, we’d love to help you find the personal checking account that’s right for you.
Personal checking options with debit cards to suit your needs

Cash Back Checking
Get rewarded with cash back on all of your debit card related transactions


Opportunity Checking
Second-chance checking for those with a less-than-perfect credit history

Student Checking
Perfect for students, ages 15-22, looking to manage their finances
Personal Checking Accounts At-a-Glance
Plus these benefits for every checking account option
- Debit Mastercard®
- Mobile and online banking(1)
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Check ordering
- Unlimited check writing
- Person-to-person payments
- Member Referral Rewards
- ATMs Worldwide

Disclosures
(1) Mobile banking – No mobile deposits for Opportunity Checking
(2) Money orders – Only Opportunity Checking receives one free money order per month.
(3) Three MCCU withdrawal fees waived – Cash Back Checking receives free MCCU & Foreign ATM withdrawal fees up to $25
(4) Monthly service fee – For the Opportunity Checking if no direct deposit or ACH of $400 or more
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.