Flexible, Personalized Checking Accounts from MSCU

Convenience, Security, and Premium Perks

We’re committed to ensuring you get the most out of your banking services. That’s why our checking accounts offer the features that matter most to you.

MSCU empowers you to manage your money on your terms for everyday transactions, including:

Paying bills
Purchasing necessities
ATM cash withdrawals

And more!

And with 24/7 access, mobile deposit, dividends, CURewards, and identity theft protection, you also get the benefits you want the most.

See which checking account works best for you

or Apply Now

	Essential Checking	Enhanced Checking	Elevated Checking
	A classic account with a low monthly fee, multiple ways to access your money, and convenient and secure paperless transactions.	An account with an enhanced suite of financial tools, identity theft protection, recovery resources, and more.	Our top-line account with expanded benefits, security features, and more.
Earn interest			✔
0.15% rate increase above current tiered money market dividend rates			✔
$300 mortgage closing cost credit			✔
Cashier’s checks			✔
$0.05 rebate on all Debit Card swipes		✔	✔
$50 cash back on consumer loans		✔	✔
nxg\|PROTECT fully-managed identity theft recovery to resolve suspected or confirmed fraud (3G Family Coverage)		✔	✔
nxg\|PROTECT identity theft reimbursement insurance up to $25K		✔	✔
nxg\|PROTECT credit monitoring, reports, and scores		✔	✔
nxg\|PROTECT dark web monitoring		✔	✔
Access to travel, dining, and shopping discounts online		✔	✔
Mobile phone coverage		✔	✔
Notary services	✔	✔	✔
VISA Debit Card	✔	✔	✔
Digital & mobile banking	✔	✔	✔
eStatements	✔	✔	✔
CU Rewards Program	✔	✔	✔
Overdraft protection services	✔	✔	✔
No minimum balance	✔	✔	✔
Monthly maintenance fee	$2 (waived for minors and 65+)	$6	$8
Fee waived when	Monthly $100 direct deposit

See below for more detail on benefits

nxg|PROTECT

A service to help you plan and recover from the effects of identity theft, including access to multiple proactive monitoring solutions

nxg|SAVE

Get discounts on shopping, dining, and travel right on your phone!

Mobile Phone Coverage

Get mobile phone insurance for all phones owned by the primary account holder.

Happy couple having a discussing over a laptop

Every MSCU Checking Account

Flexibility & Access

24/7 Access — withdraw cash at any one of over 60,000 Surcharge-Free ATMs.
Mobile Deposit — deposit checks with the click of a button.
Secure Banking at Home or On-the-Go — manage your account online or on your mobile device.

Every MSCU Checking Account

Convenience & Rewards with a VISA® Debit Card

Use your MSCU debit card to cover everyday purchases at stores, restaurants, supermarkets, and the millions of other locations that accept VISA®.
CU Rewards Program - earn one point for every dollar you spend on purchases with your VISA® Debit Card.

Personalized Checking Accounts to Fit Your Banking Needs

Convenience, Security, and Premium Perks

We also offer Freedom Checking, the account with NO overdraft fees and the following benefits:

Learn More About the Great Checking Account Features We Offer