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 requirements
  • Free MCCCU debit card 
  • Free access to 30,000 ATMs
  • 24/7 account access through online banking and MCCCU Mobile
  • Free Bill Pay accessible through online banking
  • Direct Deposit
  • Multiple overdraft protection options available

If you already have a savings account with MCCCU, you can request to open a checking account without even stepping a foot in one of our branches!

Request to Open Checking Account

If you'd like to open a savings account with the credit union, you can also do so online by clicking here


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. We also offer a Cash on Demand line of credit. 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 card 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: $500 for debit transactions and $3,000 for credit transactions. As ATM cards will only run as a debit, their daily limit is $500. 

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 and we will temporarily increase your daily limit.

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

We do not offer permanent increases. 

Why isn't my debit card working on Apple Pay?

The credit union performed a system upgrade on September 9th, 2020 that is temporarily impacting the accessibility of our debit cards through the Apple Pay platform. This functionality will be available again soon!

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: 1-866-561-2911

Checking Accounts
Effective Date: Thursday March 4, 2021
NameDividend RateAPY*Minimum Opening Balance
Checking Non-interest bearing Non-interest bearing $0.00
Investment Checking .05% .05% $2,500
Investment Checking .10% .10% $10,000
Business Basic Checking Non-interest bearing Non-interest bearing $100
Business Plus Checking .05% .05% $2,500
Business Plus Checking .10% .10% $50,000
Business Plus Checking .15% .15% $100,000
*APY = Annual Percentage Yield

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