Personalized Checking Accounts to Fit Your Banking Needs
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 |
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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. |
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Earn interest |
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0.15% rate increase above current tiered money market dividend rates |
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$300 mortgage closing cost credit |
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Cashier’s checks |
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$0.05 rebate on all Debit Card swipes |
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$50 cash back on consumer loans |
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nxg|PROTECT fully-managed identity theft recovery to resolve suspected or confirmed fraud (3G Family Coverage) |
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nxg|PROTECT identity theft reimbursement insurance up to $25K |
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nxg|PROTECT credit monitoring, reports, and scores |
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nxg|PROTECT dark web monitoring |
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Access to travel, dining, and shopping discounts online |
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Mobile phone coverage |
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Notary services |
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VISA Debit Card |
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Digital & mobile banking |
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eStatements |
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CU Rewards Program |
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Overdraft protection services |
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No minimum balance |
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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
We also offer Freedom Checking, the account with NO overdraft fees and the following benefits:
Freedom never felt so good!
- 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.
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.
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.
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.