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Checking Accounts

Whether you like the ease of a debit card, getting cash with your ATM card or writing checks for what you need, Monroe County Community Credit Union has you covered. And since everyone’s checking needs are different, we have your choice of checking accounts:


Free Checking Account - Our free checking account allows you to access your money through transactions and offers the most convenient ways for you to access your accounts. Money is accessible through traditional face-to-face meetings, written checks, and electronically through ATM, ACH, direct deposit, EFT, etc.

Features:

  • No minimum balance
  • ATM accessible
  • Debit MasterCard offers zero liability if lost or stolen
  • May qualify for $500.00 in Check Guard privileges 60-90 days after account opening
  • Fee free ATM at our ATMs and through Co-Op Network ATMs (over 30,000 nationwide)
  • Non-interest bearing
  • Accessible through Online Banking
  • Accessible through our audio reponse system, CU*Talk
  • Monthly eStatements or paper statements
  • Insured by the NCUA (based on NCUA guidelines)

Benefits:


Investment Checking*** - This is an interest-bearing checking account that allows you to access your money through a transaction account. This account requires a minimum balance of $2,500.00 and a $10.00 fee is assessed monthly if the balance falls below the minimum daily balance requirement at any point throughout the month.

Features:

  • Tiered interest bearing on balances of $2,500.00 or more (see our rate page for more information)
  • Debit cards are linked to MasterCard and are under full protection
  • May qualify for $500.00 in Check Guard privileges 60-90 days after account opening
  • Fee free ATM at our ATMs and through Co-Op Network ATMs (over 30,000 nationwide)
  • 1 free box of checks annually
  • Accessible through Online Banking
  • Accessible through our audio response system, CU*Talk
  • Monthly eStatements or paper statements
  • Insured by the NCUA (based on NCUA guidelines)

Benefits:


 

Business Checking*** - When was the last time you earned interest on your business checking account? Two business checking accounts have been designed specifically for you in addition to savings accounts and online access. 

Business PLUS Checking

  • Interest Earning
  • Minimum balance requirement only $2,500.00*
  • Unlimited ACH transactions
  • Free online access

Business BASIC Checking

  • Access your account 24 hours a day
  • Minimum balance requirement only $100.00**
  • Overdraft Protection
  • Free online access

Monroe County Community Credit Union provides financial products and services that enable the success of both large and small businesses.

 

Our business checking accounts provide low-cost services that you just can't find at a bank. As a member-owned financial institution, MCCCU removes unnecessary and inflated fees associated with business checking, while providing you the flexibility you need.

With two account options, business checking is structured to accommodate the needs of your business no matter what size it is!

*Business Plus Checking Account: $15.00 monthly fee is waived with a balance of over $2,500. Over 50 items monthly incurs a $0.15 per item fee.

**Business Basic Checking Account: $5.00 monthly fee is waived with a balance of over $100. Over 500 items monthly incurs a $0.20 per item fee.

***Fees may reduce earnings on this account.

Stop by and see a Member Services Representative for more information on our savings accounts, or email us or call us at (734) 242-3222 or (800) 541-2222.

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act