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Personalized Checking Accounts to Fit Your Banking Needs

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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 


CU Rewards Program

Overdraft protection services

No minimum balance

Monthly maintenance fee

$2 (waived for minors and 65+)



Fee waived when 

Monthly $100 direct deposit


See below for more detail on benefits

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

Freedom never felt so good!

Open an Account
  • FREE automatic transfers from savings to cover withdrawals.
  • No minimum balance required.
  • FREE Visa® Debit Card with 24/7 access to your checking account using the Visa® or ATM networks.
  • FREE Digital Banking.
  • FREE online Bill Pay.
  • Unlimited deposits and withdrawals.
  • FREE eStatements.

Learn More About the Great Checking Account Features We Offer

Increased Security and Protection | Enhanced & Elevated Checking

MSCU has partnered with nxg strategies to deliver the best in checking account protection and security.

Shield icon


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

Bank Icon icon


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

Smart Phone icon

Mobile Phone Coverage

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

MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. The primary account holder can file a mobile phone coverage claim for any phones owned by them. For additional details about the services, including terms, conditions, and limitations, mscu.nxgstrategies.com.

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.