Checking

Fancy ad campaigns… dayglow checks… even free toasters! Banks promise the moon to get your checking business. But MCCU delivers honest-to-goodness REAL checking values! Would you like to view copies of your paid checks on-line? Sign up for e-branch, our FREE Internet banking service! Want checking CHOICES that work best for your lifestyle and budget? MCCU has them! Compare and see:

Free Checking - Want a checking account with no monthly service fees? MCCU's Free Checking is a rewarding choice for you:

• First box of standard checks FREE!

• LOW $25 minimum balance to open
  
• Unlimited check writing
  
• No minimum balance required
  
• No monthly service charges
  
• FREE ATM or MasterMoney Check card.
  
• FREE unlimited ATM transactions at MCCU or selected CO-OP ATMs.
  
• FREE use of electronic access services… Internet Banking, e-statements and 24-hour telephone banking
  
• PLUS… You can use our free electronic Bill Payer service!

Premium Checking - Do you typically maintain a higher balance in your checking account? Then MCCU's interest-earning Premium Checking is the smart-money choice:

• LOW $25 minimum balance to open
  
• EARNS DIVIDENDS with a $1,000 minimum daily balance
  
• Unlimited check writing
  
• NO MONTHLY SERVICE CHARGES when you maintain $1,000 minimum daily balance in checking, OR $2,500 daily aggregate balance in savings, IRA, and/or certificates (otherwise it's just $7 per month)
  
• FREE unlimited ATM transactions at MCCU or selected CO-OP ATMs.
  
• 5 FREE non-MCCU ATM withdrawals per month… just go to any ATM worldwide and use your MCCU ATM or MasterMoney Check Card

• FREE use of electronic access services… Internet Banking, e-statements and 24-hour telephone banking
  

College Checking - At Matadors Community Credit Union, we know students! You have limited time… limited resources… and you're SMART, so you know a good deal when you see one! Case in point…

• No monthly service charges!
  
• No minimum opening balance - ZERO, ZILCH, NADA
  
• No minimum balance required
  
• Unlimited check writing
  
• 4 FREE non-MCCU ATM withdrawals per month
  
• 4 FREE lobby transactions per month, then low $2 charge per transaction
  
• FREE telephone transactions - $2 charge is applied only to transactions/inquiries that are available electronically through MARS Telephone Banking - (818) 701-6277
  
• FREE use of electronic access services… Internet Banking, e-statements and 24-hour telephone banking
  
• PLUS… You can use our free electronic Bill Payer service!
  
• FREE unlimited ATM transactions at MCCU or selected CO-OP ATMs.
  
• Converts to Free Checking account after 4 years

Click to check out MCCU's complete package of Student Services.

Teen Savers Checking - Start your teen on the right financial path! Teach them how to manage a checking account before they go out on their own. Your teen must be 17 years old to apply for this account. Parent or guardian must be joint owner until teen reaches 18 years of age.

• No monthly service charges!
  
• No minimum opening balance - ZERO, ZILCH, NADA
  
• No minimum balance required
  
• Unlimited check writing
  
• 4 FREE non-MCCU ATM withdrawals per month
  
• 4 FREE lobby transactions per month, then low $2 charge per transaction
  
• FREE telephone transactions - $2 charge is applied only to transactions/inquiries that are available electronically through MARS Telephone Banking - (818) 701-6277
  
• FREE use of electronic access services… Internet Banking, e-statements and 24-hour telephone banking
  
• PLUS… You can use our free electronic Bill Payer service!
• FREE unlimited ATM transactions at MCCU or selected CO-OP ATMs.
  
• Converts to Free Checking account when teen turns 18 years old

Fresh Start Checking - If you’ve been reported to ChexSystems, we may be able to help. If there is no fraud involved, this is the account for you:

• $100 to open
  
• Low $10 monthly service charge
  
• No ChexSystems record for past 12 months
  
• If no NSFs or returned deposits for the first 12 months that you have this account, your account will be converted to a Free Checking account
  
• NSFs or returned deposits may close the account
  
• ATM Card
  
• FREE unlimited ATM transactions at MCCU or selected CO-OP ATMs.
  
• FREE use of electronic access services… Internet Banking, e-statements and 24-hour telephone banking
  
• PLUS… You can use our free electronic Bill Payer service!

Qualifying for a Fresh Start Checking Account after being reported to ChexSystems is easy:

• Complete the online course on checking account management called InBalance (click the graphic below to take the quiz). This program will teach you the fundamentals of checking accounts - so you can avoid future problems and establish a positive, long-term relationship with MCCU. The credit union will be notified of your results. If you do not have online access, we can provide you with a hard copy of the course. If you use the hard copy course, please bring us your exam results to qualify for the account.

The course teaches you key concepts for maintaining a well managed checking account including information on:

• Checking account fundamentals
  
• Chexsystems and credit bureaus
  
• Smart money management
  
• Preventing checks from being lost or stolen
  
• Using ATM/Debit cards wisely
  
• Understanding check types
  
• How to write and endorse a check
  
• Stop payments
  
• Reconciling your account

DBA Checking - If you have a small business and need a basic checking account, this is the account for you:

• LOW $25 to open
  
• EARNS DIVIDENDS with a $3,000 minimum daily balance
  
• Write 100 checks a month
  
• Make 10 free deposits per month
  
• NO MONTHLY SERVICE CHARGES if you are a Gold Member (have an aggregate balance of $25,000 in your accounts under one account number, excluding checking accounts), if you maintain a daily average balance of $3,000 in the account, if you have a mortgage or auto loan with us, or if you make 10 deposits or less per year on this account (otherwise it's just $9 per month)
  
• FREE unlimited ATM transactions at MCCU or selected CO-OP ATMs.
  
• FREE use of electronic access services… Internet Banking, e-statements and 24-hour telephone banking
  
• PLUS… You can use our free electronic Bill Payer service!

Protect Your MCCU Checking Account -
Protecting Our Members Is a Priority!

Superchecks - Designed by former master forger Frank Abagnale, this new personal check is almost impossible for crooks to re-create! To order Superchecks, stop by or call the Credit Union. Once your order has been established, you may re-order online by clicking re-order checks .

Premier Pack™ with the Personal Identity Theft Protection Program - The Premier Pack protects you with a combination of security features:

• Two boxes of personal checks (other than Supercheck) for your personal checking account.
  
• Recovery of many of the costs associated with identity theft, up to a maximum of $10,000, with a $100 deductible
  
• Also covers credit card and Internet transactions

Enroll when you order new MCCU checks, or talk to an MCCU representative. For more information, call the credit union at (818) 993-6328.

See full disclosure for details.