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.

*Annual Percentage Yield (APY) is accurate as of May 14, 2025. Rates may change at any time without notice, before or after the account is opened. Fees could reduce earnings on the account. Minimum opening balance is $0. Minimum to earn dividends is $0.01. For Complete Checking, terms and conditions apply to earn interest. For Student Saver checking, there are no requirements to earn interest. View complete list of deposit disclosures and fee schedule.

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 Complete Checking 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. Rewards will be calculated and paid on the last day of each cycle. 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. See dividend table for additional details on rates by balance tier.

³ 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.

⁴ Choice Pay Plus Overdraft Protection: For new personal members will begin after 30 days of membership, and after 60 days of membership for business members. Choice Pay is a service that is provided at Member Choice’s discretion and is subject to approval and may be revoked by MCCU at any time. The Choice Pay limit is $600 (including fees). Member must replenish account and be at a positive balance at least once every 30 days. We will charge you an overdraft fee of $32 each time we pay an overdraft. You may incur multiple fees in one day. Once you reach the $600 limit we will not pay any other transactions if you do not have sufficient funds. View more details on full terms and conditions.

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

⁶ MCCU ATM withdrawal fees waived: Daily 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.