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Personal Checking

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

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Cash Back Checking

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

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
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Opportunity Checking

Checking for those with a less-than-perfect credit history looking to build a banking history
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Student Checking

Perfect for students, ages 15-22, looking to access a debit card for purchases, manage their finances and build a banking history

Personal Checking Accounts At-a-Glance

Cash Back* Complete** Opportunity  Student
Early Pay1

Earns High-Yield Interest2

Cash Back Rewards3 CheckEarn with every debit card purchase CheckEarn with every debit card purchase
Choice Pay Overdraft Protection Check Check
Money orders4 Check Check Check Check
Three MCCU ATM withdrawal fees waived per month5 Check Check Check Check
Minimum opening deposit $0 $0  $0  $0 
Monthly service fee6 $0 $0 $5 $0
Other requirements to open None None None High school or college student between ages 15-22

Plus these benefits for every checking account option7

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See What Our Members are Saying!

The day I became an MCCU member about 10 years ago was the best day EVER! This is THE BEST financial institution I have ever done business with! Everyone is so kind and respectful and always has such a wonderful smile for all of their customers. And any problems I may walk in with are fixed quickly and easily by the time I leave. However, I find that "problems" are extremely rare when doing business with MCCU! This is an amazing place to do banking! I LOVE IT, and cannot imagine any reason why I would not continue to do so for many years to come!
- Susan A.

See What Our Members are Saying!

I definitely give five stars to Members Choice Credit Union, I have been with them for 18 yrs now and I absolutely love them. They are the first and only account I ever opened, I actually moved an hr away and still use them!
- Rebecca


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 Three (3) 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