Checking Accounts

Options to fit your financial situation and enjoy your money.

From our benefits-rich Super Checking Accounts, to our Money Market Accounts that work hard to earn you interest, we have account options perfect for everyone.

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Super Checking

The Convenience of a Checking Account with the Benefits of a Savings.

With a super rate you can become a Super MECU Member today with our Super Checking account!

Super Benefits

  • 01% APY*
  • Free First Visa® Check
  • Card
  • Overdraft Protection**
  • Overdraft Privilege**
  • No Minimum Balance
  • No Monthly Service Fee (other fees may apply)
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Remote Deposit Capture
  • E-Statements
  • 24 Hr Telephone Service
  • Nationwide Access through Share Branching Co-Op

Super Rate Qualifications

  • One direct deposit or ACH deposit per month
  • One auto-debit or bill pay transaction per month
  • Access to online or mobile banking service once per month
  • Sign up for free monthly e-statements
  • Minimum deposit of $25.00 required to open account
  • Business accounts do not qualify
  • Make twelve signature-based Visa card transactions (online debit card transactions and pay at the pump count as signature-based transactions. ATM withdraws do no count however)

Our Money Market Checking accounts are federally insured by NCUA and deliver competitive dividends.

Take advantage of a checking account that works for your benefit!

Money Market Benefits

  • Earn Money Market Dividends
  • Unlimited Check Writing
  • Unlimited Deposits
  • Online Banking
  • Mobile Banking
  • Remote Deposit Capture
  • E-Statements
  • Online Bill Pay
  • 24 Hr Telephone Service
  • Nationwide Access through Share Branching Co-Op

MECU members 62 years young and up can enjoy the benefits of being in the MECU V.I.P. Club!

Life is all about enjoying the ride.

VIP Benefits

  • One Free Order of Personal Checks Every Year
  • Free Corporate Checks
  • No Annual Fees on your VISA® Credit Card
  • Free First Debit Card

Overdraft Protection

Link your accounts and prevent exceeding your balances.

Signing up for Overdraft Protection means peace of mind! By simply linking a savings account, checking account or a line of credit loan to your share draft account you can rest assured that errors causing insufficient funds fees and returned checks don’t happen. Overdraft Protection typically allows transactions exceeding the balance in your share draft account to be approved and paid by transferring money from the account you have linked to it. Overdraft Protection transfers are limited to the availability of funds in the accounts you have linked. Overdraft Protection can be less expensive than paying an insufficient fee. Overdraft products may be subject to credit application, credit approval and other criteria to qualify

Overdraft Privilege

Happy members. Happy community. That’s the goal!

Signing up for Overdraft Privilege authorizes us to allow ATM and every day debit card transactions to overdraft your account for a $30 fee. You can opt-in or out of Overdraft Privilege at any time. Contact a MECU representative for more details!

*APY = Annual Percentage Yield. Reward rate of 1.01% Annual Percentage Yield (*APY) paid on balances between $0.01 and $25,000.00 and .05% APY on all balances above $25,000.01 each statement cycle when the minimum qualifications are met. The interest rate and APY is subject to change. Monthly means: from the first day of the month until the last day of the month. **Overdraft products may be subject to credit application, credit approval and other criteria to qualify. ***Signature based transactions can be an online check card or pay-at-the-pump transaction. Transactions must post within the month. Rates effective as of March 1, 2023. Some services may be cancelled at any time at MECU’s discretion.

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You are leaving our site

By clicking on this link you are being directed to a third party website that is not controlled or operated by MECU.
MECU is not responsible for the content of the third party website and does not represent either the third party or the member should the two enter into any type of transactional relationship.

The link to this website is not an endorsement of this third party by MECU. The privacy and security practices of the third party may be different from that practiced by MECU. You should take time to review the privacy and security policies of any website before providing any information to any third party.

You are leaving our site

By clicking on this link you are being directed to a third party website that is not controlled or operated by MECU.
MECU is not responsible for the content of the third party website and does not represent either the third party or the member should the two enter into any type of transactional relationship.

The link to this website is not an endorsement of this third party by MECU. The privacy and security practices of the third party may be different from that practiced by MECU. You should take time to review the privacy and security policies of any website before providing any information to any third party.