Checking accounts are all about making your life easier…hey, that’s what Realtime Banking is about, too! Every MCU checking account comes with these basic features:

• bounceFREE Overdraft protection
• Free access to NetBranch online banking
• Free Visa Check Card
• “Real” printed checks at account opening
• E-statements
• View check images

So check out the accounts below, then click then open your account online. If you are already a MCU member, open your account online through NetBranch. If you are not a member yet, click the Apply button above to join MCU and get your accounts open. You can transfer funds from another financial institution at no charge. Make your life easier with a MCU checking account

RealInterest Checking is truly free, with no monthly fees, no minimum balances, no per-check fees, plus free online banking and online bill payment.  But it's even better than free since it pays a big 1.00% APY on daily balances up to $25,000 when you have:

• At least one ACH debit or credit (a direct deposit or automatic payment)
• Ten Check Card purchases
• Are enrolled in free E-Statements

Need more? This checking account has it all!  You earn high dividends on daily balances over $1,500…but that’s just the start:

• Unlimited check writing· Free checks
• Discounts on certain loan interest rates (excludes MasterCard and real estate loans)
• Never a MCU fee on ATM transactions
• Discount on safe deposit box; free travelers checks
• Free Online Bill Payment services ( A monthly value of $5.95)
• Minimum opening balance of $1,500; $10 monthly charge if daily balance falls below $1,500

Everyone does it sometimes…write a check that your account can’t cover.  That’s why at MCU, every checking account comes with bounceFREE overdraft protection. Depending on your type of checking account you will automatically be covered up to $300.00 or $500.00 in the event your check is bigger than your account balance.

• Low $25.00 fee per transfer.  No aditional fees apply!
• Avoid Large Fees from Merchants.
• Avoid the hassle of recovering your check from the merchant.
• Avoid being turned over to a collection agency.
• Avoid the embarrassment you may feel.
• Enjoy the comfort of having a 'cushion'.