Simple Checking
- No monthly service fee or minimum balance requirements
- Access to fee-free ATMs
- Debit Card access that works with Apple and Google Pay
- User-friendly online banking and mobile banking app
| Checking | 0.05% APR* |
0.05% APY** |
Features You'll Appreciate
Courtesy Pay
Add a measure of protection to your checking account. This service can temporarily cover purchases and payments when sufficient funds are not available in your account. There is a $29.00 fee per occurrence, and you have 30 days to bring your account to a positive balance.
Mobile Deposit
Mobile Deposits service is offered through our Mobile Banking* app, which requires you to provide a unique username and password each time you sign in. Each item to deposit must be endorsed with the payee's signature and "For Mobile Deposit Only at MCCU." By doing so, checks deposited through Mobile Deposit cannot be deposited again at a Members Choice branch or another financial institution. The Mobile Deposits approval process also includes a review of each deposited item.
Save the Change
Jump start your savings or even pay off a loan faster just by using your Members Choice debit card from groceries to gas, travel, shopping, and more.
Direct Deposit
When you receive a Direct Deposit to your Checking Account, you can receive your funds up to two days early; depending on when we get the payment instructions from your employer or benefits provider. Unlock your paycheck with Members Choice Credit Union! Earn faster access to the money you've worked so hard to attain.
How to Open Your Members Choice Simple Checking Account Online
Credit unions are owned by the people who do business with them. That's why at Members Choice, you're a member and not just a number. Apply from your smartphone or desktop, 24/7.
1 Gather your personal info, including your government issued ID and Social Security number
2 Fill out your online application
3 Once your application is approved, fund your account by setting up online transfers via Members Choice Mobile or Online banking
Keep it simple
Pay with Your Smartphone
Life moves quickly, and so do you. Pay quickly and securely with your smartphone, even if you left your card at home. Members Choice debit cards are compatible with digital wallets like Apple PayTM, Samsung PayTM, Google PayTM, and other payment apps like PayPal, Venmo, and Cash App.
Overdraft Protection
Opt-in to our Sweep protection, and we'll automatically transfer money from your Members Choice savings account so you can avoid an accidental overdraft for a fee of $1 per sweep. See our fee schedule.
Federally Insured Funds
Rest easy knowing your money is protected. The funds in your Members Choice deposit accounts are federally insured up to $250,000 by the NCUA.
E-Statements
Make the intelligent switch from paper statements to eStatements. Conveniently archived, environmentally friendly, and receive them promptly at the first of every month!
MakeChange
Be part of the change to better our local area by using your Members Choice debit card, and the credit union will donate $0.10 to a local non-profit.
All electronic services and transactions are subject to the terms and conditions of Members Choice Credit Union Funds Availability Policy and Electronic Funds Transfer Agreement and fee schedule as provided to you when you opened your account.