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Personalized Checking Accounts to Fit Your Banking Needs

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Convenience 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 you also get the benefits you want the most. 

See which checking account works best for you 

or Apply Now

 

 

 Freedom

 Checking 

Essential Checking

Elevated Checking

 

 Freedom never  felt so good!  An account  with no  overdraft fees,  monthly service  fees, and more.

A classic account with a low monthly fee, multiple ways to access your money, and convenient and secure paperless transactions.

Our top-line account has expanded benefits.

Earn interest

   

 Eligible for premium Elevated    money market account

   

 ✔ 

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

   

Access to travel, dining, and shopping discounts online

   

Free domestic wire transfers

 

 

 ✔

 Foreign ATM fees waived

 

 

 ✔

 Check writing privileges 

 

 ✔

 ✔

 Overdraft protection services

 ✔

 ✔

 CU Rewards Program

  

 ✔

 ✔

Notary services

 ✔ 

VISA Debit Card

 ✔ 

Digital & mobile banking 

 ✔ 

eStatements* 

 ✔ 

No minimum balance

 ✔ 

 Free online bill pay

 ✔ 

 ✔ 

 ✔ 

 Unlimited deposits and  withdrawals

FREE automatic transfers from savings to cover withdrawals

Monthly maintenance fee

 $0

$2 (waived for minors and 65+)

$6

Fee waived when 

 (no fee)

Monthly $100 direct deposit

Daily average balance in checking of $2,500 or aggregate balance of $20,000 in deposit accounts at the end of the month.

*Required for Freedom Checking. Optional for Essential and Elevated Checking.

See below for more details on benefits

For additional details applicable to your account please visit our Truth-in-Savings Disclosure.

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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.