Students

Totally Free Checking

Whether you swipe, sign, insert your chip or pay online, there’s no monthly fee and no minimum balance with a totally free checking account at MCCU. It’s the safe and convenient place to stash the cash you need – whether for going out with friends, gas for your car, going to a game on Friday night, or any other expense.

$0 monthly fee
$0 minimum balance requirement
Free Visa Debit Card

Looking for something a little more rewarding? If so, you might be interested in our free Kasasa^® Checking Accounts! With Kasasa®, we pay you for banking with us. Just for doing a few things, you may be doing already, like using your debit card, signing up for eStatements, and using Online Banking or our Mobile App. To learn more about Kasasa^®, click here.

Ready to open a new account? Here’s what you’ll need:

Driver’s License or Student ID, and Social Security Card – whenever you open an account, your identity and proof of U.S. residency needs to be verified.
Parent or Joint Owner – if you haven’t celebrated your 18^th birthday yet, you’ll need to have a parent or another trusted adult be a joint owner of the account.
A $5 Opening Deposit – this establishes your membership (or ownership) in MCCU.

Low Credit or No Credit?

Our youth loan program is intended to help young people establish a credit history while helping them purchase things they want and need. From a bicycle to a computer, sports equipment to musical instruments, you can make it happen with MCCU!

Available for members age 13-17
Must have regular income from verifiable sources
Documentation is required for all sources of income
Parent or guardian knowledge or consent is required, but they are not required to act as co-signers

For more information regarding the types of youth loans available, and rates, click here.

Already 18? If so, you could qualify for a Visa Credit Card! Our Wise Rate Visa® Credit Card offers you the low interest you are looking for, plus no annual fee, online access, and more!

Access to Your Accounts — Anytime, Anywhere

We provide the tools you need to make sure your accounts are on the up-and-up! With MCCU eServices, you can quickly manage your MCCU accounts in real-time on any PC or mobile device.

Plus, by setting up Alerts, you’ll be notified when specific activities happen within your account. For example, if your balance falls below a certain dollar amount, or, if there is a credit or debit transaction posted to your account for more than a certain dollar amount. MCCU Alerts can help you keep a close watch on your money. Just enroll in Online Banking to determine which Alerts are right for you.