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Why You Will Love Our Checking Accounts
Discover checking accounts designed with your budget in mind. Enjoy convenient access to your funds.
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Debit Card access that works with Apple and Google Pay
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​User-friendly online banking and mobile banking app
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No monthly service fee or minimum balance requirements
MyChoice Accounts
*Please note you must have a share account to become a MCCU member
We are proud to offer Excess Share Insurance—available through credit unions—adds an extra $750,000 in protection on top of federal insurance, giving you up to $1,000,000 in total coverage.
Checking Account Features
MyChoice Advantage
High Interest Checking
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5.00% APY* on balances up to and including $25,000 when qualifications are met 0.05% APY* on balances, even if qualifications are not met. Rewards earned, transfer to Wealth.
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Perfect for: Savers who maintain a checking balance and want to maximize interest earnings​.
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How to Qualify Monthly:
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Complete 12 debit card purchases
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Receive 1 direct deposit, ACH payment, or ACH credit
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Enroll in and receive eStatements
MyChoice
Essential
​MyChoice Essential- Personal Checking​
A simple checking account with MCCU is designed for everyday banking. This account focuses on convenience and easy access to your money rather than earning a return. ​
Members Can:
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Deposit or withdraw funds
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Set-up automated payments
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Access to online/mobile banking
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Enroll in and receive eStatements
MyChoice
Plus
Cash Back Checking
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5.00% cash back on everyday debit card purchases. Earn up to $10 cash back per month. Up to $200 in purchases. Rewards earned transfer to Wealth.
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Perfect for: Active spenders who use their debit card frequently and want rewards for everyday purchases​​.
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Refunds on ATM withdrawal fees, nationwide, when you qualify. Up to $4.99 per transaction $25 per month.
How to Qualify Monthly:
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Complete 12 debit card purchases
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Receive 1 direct deposit, ACH payment, or ACH credit
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Enroll in and receive eStatements
Your Money, Anywhere You Are
At Members Choice Credit Union, we prioritize your financial journey. Our personalized solutions are designed to bring our financial services directly to your fingertips.
Manage Your Money on Your Schedule 24/7
Access your accounts, check balances, and manage your money anytime, anywhere, with our user-friendly mobile app designed for busy lifestyles.
Secure Mobile Deposits Made Simple
Deposit checks easily by taking a photo with your smartphone. No trips to the branch required - just snap and submit!
Complete Account Control in Your Pocket
Transfer funds, pay bills, set up alerts, and monitor your financial health all from one convenient mobile platform that puts you in charge.
Free ATMs
Alliance One is a group of financial institutions that have joined together to provide their members with access to a nationwide alliance of surcharge-free ATMs.
Since Members Choice Credit Union is a member of Alliance One, you have the opportunity to avoid foreign surcharges that are often assessed when using an ATM owned by other financial institutions. To avoid these fees, just look for the blue and white Alliance One logo on ATMs around town or across the nation.
You can also search for participating ATMs by visiting Alliance One's website or downloading the Alliance One ATM Locator Mobile App on your smartphone to find surcharge-free ATMs on the go, wherever you are.
