Checking Overview

Now is a great time to switch to a Mutual Security Checking Account!

Our money-saving checking accounts offer you the flexibility to bank when, where and how you choose. Whether it's from home, the office, at any of our convenient branches or on the road, Mutual Security has a checking account that is just right for you.

 

Choose From 4 Attractive Options:

 

Cash Back Checking

Our Cash Back Checking is a free account. With no minimum balance needed to earn rewards and no monthly service fees, you can earn 2% cash back on everyday purchases.


 

Ultimate Checking

Our Ultimate Checking is a free account! With no minimum balance needed to earn rewards and no monthly service fees, you can earn a high-yield dividend.


 

Advantage Checking

Earn a competitive dividend rate on all balances held in your Advantage Checking.  This account is a great choice for members 65 and over OR who maintain a minimum daily balance of at least $5000.


 

Classic Checking
Classic Checking is a great choice if you are looking for a Basic Checking account, which has no monthly minimum balance requirement and offers simple ways to put you in control of avoiding/eliminating the small monthly fee.

 

Qualification Calendar

 

Qualification Calendar for Classic, Ultimate & Cash Back Checking Accounts

 

Choose the account that best fits your needs and also enjoy:
  • FREE Online Banking (WebLine)

  • FREE Online Bill Pay

  • FREE Telephone Banking (CashLine)

  • FREE Mobile Banking (MemberMobile)

  • FREE Unlimited Check Writing

  • FREE Online Copies of Checks

  • FREE VISA Bonus Check Card PLUS with our FREE UChoose Rewards Program earn points towards Gift Certificates & Merchandise

  • And Much More! 

WHICH CHECKING ACCOUNT IS RIGHT FOR YOU?
  Cash Back Ultimate

Advantage 

Classic 
Interest Earning Account1

N/A

1.50% APY* on Balances up to $15,000

 0.10% APY* on the portion of the balance over $15,000

0.025% APY* on $0.01 - $15,000

0.050% APY on $15,001+

N/A

Required Minimum Monthly Balance

N/A

N/A

N/A

N/A

Monthly Qualifications
  1. Make at least 12 VISA BONUS Check Card purchases (minimum $5 purchase) that post and settle.  (Signature or Internet purchases ONLY. PIN Transactions do not count.)
  2. Have at least one ACH automatic transaction, direct deposit, or online bill pay post and settle.
  3. Receive eStatements (valid email address required).
  1. Make at least 12 VISA BONUS Check Card purchases (minimum $5 purchase) that post and settle. (Signature or Internet purchases ONLY. PIN Transactions do not count.)
  2. Have at least one ACH automatic transaction, direct deposit, or online bill pay post and settle.
  3. Receive eStatements (valid email address required).

N/A

N/A

Monthly Service Fee

$0

$0

$4 (if requirements are not met)

$4 (if requirements are not met)

FREE Unlimited Check Writing

FREE Online Check Copies

FREE Online Banking (WebLine)

FREE Online Bill Pay 

FREE Telephone Banking (CashLine)

FREE Mobile Banking (MemberMobile)

Overdraft Protection Programs (Subject to credit approval. Certain restrictions may apply.) 

FREE VISA Bonus Check Card with FREE UChoose Rewards

Access to over 60,000 Surcharge-FREE ATMs Nationwide2  (optional)

Minimum Deposit required to Open Account

$5

$50

$5

$5

*APY - Annual Percentage Yield

1 Rates effective as of February 1, 2017. Dividend rates on checking accounts are variable, set by our Board of Directors and are subject to changes at any time without notice. Restrictions may apply.

2 Our Surcharge-FREE ATM network program is an optional service, members may choose to opt out of the program at any time. Fee for access to surcharge free networks: Ultimate is free. $0.75/month applies to Classic and Advantage with a VISA Bonus Check Card. $0.95/month for ATM Cards.

Cash Back Checking requires no minimum balance and there are no monthly service fees. Earn 2% cash rewards on non-PIN/signature/online purchases of at least $5. Maximum monthly cash back amount is $6.  Cash back is not earned if requirements are not met.

Ultimate Checking requires no minimum balance and has no monthly service fees. Rate tiers for Ultimate Checking are as follows: Ultimate rate of 1.50% APY applies to balances of $0.01 - $15,000 and 0.10% APY paid on balances over $15,000 per statement cycle when requirements are met. No dividends will be earned if requirements are not met. Fees may reduce earnings.

Advantage Checking is subject to a $4 monthly service fee.  Dividend bearing account. Fee is waived if you are 65 or over OR if you maintain a minimum daily balance of $5,000.  Balance must not fall below the minimum stated amount; otherwise, subject to the fee.

Classic Checking is subject to a $4 monthly service fee which can be reduced or eliminated by enrolling in eStatements and using your VISA Bonus Check Card (for non-PIN/signature/online purchases).

 

Order Your Mutual Security Checks Online!   

 

Visit Harland Clarke. We have partnered with Harland Clarke check printers to offer our members a wide variety of check designs and accessories. 

 

To order or re-order your personal or business checks:

 

  • Visit any of our convenient branch locations.

  • Order Online 

  • Call 1-877-585-8777

  • Order matching accessories

Reorder or change your current check design. With over 75 to choose from, we have something for everyone.
 

 

Mutual Security VISA Bonus Check Card:

 

Enhance the convenience and purchasing power of your Mutual Security Credit Union checking account by ordering a VISA Bonus Check Card today!

 

Our VISA Bonus Check Card provides you with the flexibility to use the card at an ATM for making deposits or withdrawing cash. It's also a convenient way to sign and pay for everyday purchases at stores, restaurants, supermarkets or any of the millions of locations worldwide that accept the VISA card.

 

  • Enroll in our UChoose Rewards Program and earn points for every signature-based, online or telephone purchase made using your VISA Bonus Check Card.

  • It's easier than writing checks and safer than carrying cash.

  • Purchases are automatically deducted from your Mutual Security checking account and are conveniently detailed on your monthly checking statement.

  • You can use your VISA Bonus Check Card at over 60,000 ATMs Nationwide - all surcharge transaction fee-FREE!

 

Enroll In UChoose Rewards

ATM Locator Search


Please refer to our current schedule of fees/charges for more details.