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, and EFT.

  • No monthly service fee
  • No minimum balance required
  • Free MasterCard debit card 
  • Free access to 30,000 ATMs
  • 24/7 account access through online banking and MCCCU Mobile
  • Free Bill Pay
  • Direct Deposit
  • Overdraft protection
  • Apple Pay, Samsung Pay, Fitbit Pay, and Garmin Pay available


What is MCCCU's Routing Number?


What are the charges for a checking account?

We are happy to report there are no charges attached to our checking accounts!

How do I set up Direct Deposit?

To set up direct deposit, you will need to give your employer your MCCCU account number and our routing number: 272482883

Can I get overdraft protection on my checking account?

You sure can! MCCCU offers three types of overdraft protection (savings account, CheckGuard, and a line of credit option). One way to protect yourself from overdrawing your account is to set up your savings as a back-up. This enables you to use your own money to make sure your transactions are covered. This is a no-fee solution that we are glad to be able to offer! Another way to protect yourself is to enroll in our CheckGuard overdraft protection service. This service ensures that any transaction or payment you have scheduled will be honored (up to $500) even if you don’t have the funds available in your account. CheckGuard is a service we are glad to offer our members, but as there is $30 fee charged for each transaction that overdrafts the account, it isn’t the right fit for everyone. If you do not elect to utilize either of these options, any transaction that hits your account will be rejected if you don’t have funds available in your checking account. If you’d like to speak with an MCCCU representative to find the best fit for you, contact us!

What are the daily transaction limits for my MCCCU ATM/debit card?

Daily transaction limits are standard in the financial industry and are put in place to protect consumers from potential fraud. MCCCU debit cards have two different daily limits: $375 for debit transactions and $1,000 for credit transactions. As ATM cards only run as a debit transaction, their daily limit is $375. 

How do I request a temporary increase on my debit card transaction limits?

If you are looking to make a larger purchase with your debit card, give us a call so we can temporarily increase the daily limit!

Can I get a permanent increase on my debit card's daily transaction limits?

For security purposes, we do not offer permanent increases. 

Does the credit union put a hold on checks?

For security purposes, MCCCU will sometimes put holds on checks when necessary. Any supporting documentation you can provide about a check can help to avoid or reduce a hold.

What should I do if my checks are lost or stolen?

If your checks are lost or you believe they have been stolen, make sure you contact us right away. We will place a block on any checks that have been compromised so they are unable to be cashed.

Why does the credit union block their debit cards from working in certain zip codes?

In the event we learn about a spike in fraudulent activity, we will take whatever actions we can to prevent MCCCU members from being exposed. This sometimes results in us blocking specific zip codes so MCCCU debit card numbers aren't exposed to a threat. While we never want to inconvenience our members, we will do everything we can to prevent our members from fraud.

Industry tip: Fraud spikes are often a result of gas station pump card skimmers so if you plan on using a card to pay for gas, we highly recommend going inside to pay whenever possible. 

What do I do if I believe my ATM/debit card has been lost or stolen?

If you believe your card has been lost/stolen, call: 1-800-828-3901

What do I do if my ATM/debit card has been shut down for security purposes?

To release a security hold on your card, call: 1-800-369-4887

Checking Accounts
Effective Date: Thursday October 17, 2019
NameDividend RateAPY*Minimum Opening Balance
Checking Non-interest bearing Non-interest bearing $0.00
Investment Checking 0.10% 0.10% $2,500
Investment Checking 0.15% 0.15% $10,000
Business Basic Checking Non-interest bearing Non-interest bearing $100.00
Business Plus Checking 0.05% 0.05% $2,500
Business Plus Checking 0.10% 0.10% $50,000
Business Plus Checking 0.15% 0.15% $100,000
*APY = Annual Percentage Yield

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