Checking Accounts

Free Checking

Our free checking account allows you to access your money through transactions and offers the most convenient ways for you to access your accounts. Money is accessible through traditional face-to-face meetings, written checks, and electronically through ATM, ACH, direct deposit, and EFT.

Account Benefits:
  • No monthly balance or service fees
  • No minimum balance requirements
  • Free MCCU debit card 
  • Free access to 30,000 ATMs
  • 24/7 account access through online banking and MCCU Mobile
  • Free Bill Pay accessible through online banking
  • Direct Deposit
  • Multiple overdraft protection options available
  • Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay

If you already have a savings account with MCCU, you can request to open a checking account without even stepping a foot in one of our branches! If you'd like to open a savings account, you can also do so online by clicking here!

 

Request to Open Checking Account

 

Community Growth Checking

Grow your balance. Grow your community.

Earn an outstanding 6.00% APY* and enjoy a checking account designed to reward your everyday banking. With simple monthly activity, your money works harder while staying completely accessible.

Why You’ll Love Community Growth Checking
  • Exceptional Earning Power - Earn up to 6.00% APY* on balances up to $10,000.
  • No Monthly Fees - Keep more of your money—no minimum balance or monthly service fees.
  • Easy Monthly Qualifiers - Unlock your high APY each month with simple banking habits.
    • At least $500 in direct deposits monthly to your Community Growth Checking account
    • Enroll in eStatments
    • Make at least 10 debit card purchases of $5.00 or more
  • Everyday Access - Use your debit card, direct deposit, and digital banking without limitations.
  • PLUS! All the benefits of MCCU's Free Checking Account.
 

 

If you already have a savings account with MCCU, you can request to open a checking account without even stepping a foot in one of our branches! If you'd like to open a savings account, you can also do so online by clicking here!

 

Request to Open CommUNITY GROWTH Checking Account

 

*Community Growth Checking Annual Percentage Yield (APY) is accurate as of December 1, 2025. Rates are subject to change without notice. To earn the stated APY, the following qualifications must be met during each monthly qualification cycle: (1) minimum of $500 in direct deposits to the Community Growth checking account; (2) enrollment in eStatements; and (3) at least 10 debit card purchases of $5.00 or more must post and clear the Community Growth checking account. If qualifications are met, balances up to $10,000 earn 6.00% APY; balances over $10,000 earn 0.10% APY on the portion of the balance above $10,000, resulting in a range from 0.10% to 6.00% APY depending on balance. If qualifications are not met, the account earns 0.00% APY. Fees could reduce earnings. Terms and conditions subject to change without notice. Membership eligibility required. Insured by the NCUA.

FAQ

What is MCCU's Routing Number?

272482883

What are the charges for a checking account?

We are happy to report there are no charges attached to our checking accounts!

How do I set up Direct Deposit?

To set up direct deposit, you will need to give your employer your MCCU account number and our routing number: 272482883

Can I get overdraft protection on my checking account?

You sure can! MCCU offers three types of overdraft protection (savings account, CheckGuard, and a line of credit option). One way to protect yourself from overdrawing your account is to set up your savings as a back-up. This enables you to use your own money to make sure your transactions are covered. This is a no-fee solution that we are glad to be able to offer! Another way to protect yourself is to enroll in our CheckGuard overdraft protection service. This service ensures that any transaction or payment you have scheduled will be honored (up to $500) even if you don’t have the funds available in your account. CheckGuard is a service we are glad to offer our members, but as there is $30 fee charged for each transaction that overdrafts the account, it isn’t the right fit for everyone. We also offer a Cash on Demand line of credit. If you do not elect to utilize either of these options, any transaction that hits your account will be rejected if you don’t have funds available in your checking account. If you’d like to speak with an MCCU representative to find the best fit for you, contact us!

How do I request a temporary increase on my debit card transaction limits?

If you are looking to make a larger purchase with your debit card, give us a call and we will temporarily increase your daily limit.

Can I get a permanent increase on my debit card's daily transaction limits?

We do not offer permanent increases. 

Can I use my cards on Apple Pay?

You sure can! Simply load your card information into the Wallet app on your iPhone.

How to I reorder checks?

It's easy! We order checks through Harland Clarke, and to order some new checks you can simply click here.

Does the credit union put a hold on checks?

For security purposes, MCCU will sometimes put holds on checks when necessary. Any supporting documentation you can provide about a check can help to avoid or reduce a hold.

What should I do if my checks are lost or stolen?

If your checks are lost or you believe they have been stolen, make sure you contact us right away. We will place a block on any checks that have been compromised so they are unable to be cashed.

Why does the credit union block their debit cards from working in certain zip codes?

In the event we learn about a spike in fraudulent activity, we will take whatever actions we can to prevent MCCU members from being exposed. This sometimes results in us blocking specific zip codes so MCCU debit card numbers aren't exposed to a threat. While we never want to inconvenience our members, we will do everything we can to prevent our members from fraud.

Industry tip: Fraud spikes are often a result of gas station pump card skimmers so if you plan on using a card to pay for gas, we highly recommend going inside to pay whenever possible. 

What do I do if I believe my ATM/debit card has been lost or stolen?

If you believe your card has been lost/stolen, call: 1-866-561-2911

Checking Accounts
Effective Date: Friday December 5, 2025
NameDividend RateAPY*Minimum Opening Balance
Checking Non-interest bearing Non-interest bearing $0.00
Community Growth Checking 5.84% 6.00%** $0.00

*APY=Annual Percentage Yield

**APY=Annual Percentage Yield. Rates are subject to change without notice. To earn the stated Community Growth Checking APY, the following qualifications must be met during each monthly qualification cycle: (1) minimum of $500 in direct deposits to the Community Growth checking account; (2) enrollment in eStatements; and (3) at least 10 debit card purchases of $5.00 or more must post and clear the Community Growth checking account. If qualifications are met, balances up to $10,000 earn 6.00% APY; balances over $10,000 earn 0.10% APY on the portion of the balance above $10,000, resulting in a range from 0.10% to 6.00% APY depending on balance. If qualifications are not met, the account earns 0.00% APY. Fees could reduce earnings. Terms and conditions subject to change without notice. Membership eligibility required. Insured by the NCUA.

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