Checking (Share Draft)

MCFCU offers a variety of accounts to meet your individual needs, including free and dividend earning accounts. All our personal checking accounts offer:

  • No monthly debit card fees
  • No per-check fees
  • FREE Visa Debit Card with secure EMV Chip technology
  • FREE transactions at MCFCU ATMs and 30,000 nationwide CO-OP Network ATMs
  • 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

Yield Plus Checking – High Yield: 2%

  • 2% dividend
  • No minimum balance requirement
  • No monthly service charges
  • FREE Visa Debit Card with secure EMV Chip technology
  • 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

Learn more about Yield Plus Checking here:

Yield Plus Checking


Free Checking

No minimum balance requirement

  • No monthly service charges
  • No minimum balance requirement
  • No monthly service charges
  • FREE Visa Debit Card with secure EMV Chip technology
  • 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

Dividend Bearing Checking

  • $300 minimum balance
  • Monthly dividends: 0.10% APY
  • No monthly service charge or fee if minimum balance maintained
  • FREE Visa Debit Card with secure EMV Chip technology
  • 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

Ready to open your checking account?

Apply

 

Regulation D Information

Federal Regulation D and Its Effect on Your Deposit Accounts

Regulation D impacts the number of transactions Mission City Federal Credit Union may allow on your deposit accounts (including Savings, Club, Trust and Money Market Accounts). This regulation was implemented by the Board of Governors of the Federal Reserve System, whose job is to ensure that financial institutions maintain adequate reserves for the funds they have on deposit.

Regulation D affects you by limiting certain withdrawals and transfers that may be made from your Share Savings, Club, Trust and Money Market Accounts. The following transactions (or any combination thereof) are limited to six (6) per month:

  1. Overdraft agreements where money is automatically withdrawn from a share account to cover overdrafts in any of your other Mission City Federal Credit Union accounts.
  2. Telephone banking transfers or other telephone transfers from a share account to other accounts or third parties.
  3. Online banking transfers from a share account to other accounts or third parties.
  4. Preauthorized, automatic transfers (ACH) made at a predetermined time to third parties or to your other accounts, of which up to six (6) may be made by check, check card (if applicable) or similar order to a third party.

There is no limit on the frequency or dollar amount of transfers for the purpose of repaying loans and associated expenses where the loan has been made to you by the Credit Union or is serviced by the Credit Union.

And, there are no limitations to the number of transactions that you handle on any account in person, by mail or through an ATM. You should know that Mission City Federal Credit Union will refuse any transactions that are not in compliance with Regulation D (checks may be returned and fees applied).

FEDERAL RESERVE REGULATION D IS A DIRECTIVE OF THE GOVERNMENT, NOT OF YOUR CREDIT UNION.

 

1391 Franklin Street,
Santa Clara, CA 95050

Phone: (408) 244-5818
Toll Free: (888) 361-1894
Fax: (408) 244-9390
Email: info@missioncityfcu.org

Debit Card Lost/Stolen Hotline: (800) 262-2024

Visa Credit Card Lost/Stolen Hotline: (800) 325-3678

Routing Number: 321177447

NMLS # 490777

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