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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.  

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

  • Paying bills
  • Sending money with Zelle®
  • Mobile and online banking
  • ATM cash withdrawals and more!

And with 24/7 access, mobile deposit, dividends, CURewards, 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

 

A worry-free account with no overdraft fees, no monthly maintenance fees, and convenient access to your money.

A versatile everyday account featuring a low monthly fee, flexible access options, and the ease and security of paperless banking.

Our premier checking account, designed to deliver enhanced benefits, added value, and a higher level of banking convenience.

Earn interest

   

✔

 Eligible for premium Elevated    money market account

   

 ✔ 

If you have a Money Market account, you’ll receive a 0.15% rate increase above your current tiered dividend rate.

   

✔

$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.