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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
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Basic Checking

A simple way to make managing your money easier
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Opportunity Checking

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

Perfect for students, ages 15-22, looking to manage their finances

Personal Checking Accounts At-a-Glance

Cash Back Basic Opportunity  Student
Choice Pay Check Check
Money orders(2) Check Check Check Check
Three MCCU withdrawal fees waived at non-Members Choice ATMs per month(3) Check Check Check Check
Minimum opening deposit $25 $25  $25  $25 
Monthly service fee(4) $0 $0 $5 $0
Cash Back CheckEarn with every debit card purchase
Other requirements to open None None None High school or college student between ages 15-22
Additional benefits
No cash-back transaction limitations
Rewards paid monthly to share or loan of choice
Automatic approval for a Share secured loan 0.10% state reduction on Student Choice student loan (for undergraduate line of credit)

Plus these benefits for every checking account option

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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


(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.