Checking Accounts
Getting more for less is always better. That’s why our monthly service charge is lower than the big banks and easier to waive.
Our Personal Checking Account Offers the Following Features:
Features:
- No monthly debit card fees
- No per-check fees
- FREE VISA® Debit Card: With touchless transaction and secure EMV Chip technology
- FREE transactions: At MCFCU ATMs and 30,000 nationwide CO-OP Network ATMs
- ATM Anywhere: ATM Surcharge Reimbursements at US-based ATMs, up to $15.00 per month
- FREE Online Banking: Check your balances online, view checks, make transfers and much more
- FREE Mobile Banking: Check your balances by phone and perform account transactions 24/7 and more
- FREE Bill Pay: Pay bills any time & any place,establish recurring payments, save on postage and more
- FREE Automated Services: Save time and energy with direct deposit, payroll deductions and more
Rates:
| Account | Minimum to earn dividend | APY* |
|---|---|---|
| Yield Plus Checking* | $0.00 | {{YieldPlus}} |
Date Declared:
Yield Plus Checking – High Yield: 3%
Features:
- 3% dividend when qualifications are met
- No monthly service charges with $100.00 minimum average daily balance ($7.00 if below minimum average daily balance)
Rates:
| Account Type | Min. Balance | APY* |
|---|---|---|
| Yield Plus Checking | N/A | {{YieldPlus}} |
*APY = Annual Percentage Yield. APYs accurate as of 09/01/2023. Rates, fees, services and programs may change after account is opened without notice. If qualifications are met each monthly qualification cycle, you will earn 3.00% APY based on your average daily balance, up to $10,000.00, and 0.10% thereafter, in that qualification cycle. If qualifications are not met, your Yield Plus Checking will earn no dividends.
Qualifying transactions must post to and settle to your Yield Plus Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.
Qualifying transactions must post to and settle to your Yield Plus Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.
