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Overview
Free Checking
Want a checking account with no monthly service fees? MCCU's Free Checking is a rewarding choice for you:
- 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 surcharge-free CO-OP ATMs.
- FREE use of electronic access services… Internet Banking and e-statements
- PLUS… You can use our free electronic Bill Payer service!
- Free Mobile Banking
| Checking Menu | |
|---|---|
| Overview | |
| Check Reorders | |
| Courtesy Pay | |
| Automatic Deposit Options | |
Switch to MCCU and Save Money!
Want a checking account with no monthly service fees? MCCU's Free Checking is a rewarding choice for you:
| MCCU1 | Chase2 | Bank of America3 |
Wells Fargo4 | |
| Account Features | ||||
| Monthly Fee | Free | $10 | $12 | $5 |
| Minimum Balance (to avoid monthly fee) |
None | $1,500 | $1,500 | $1,500 |
| NSF Fee | $29 | $34 | $35 | $35 |
> Make the Switch Now. Open an MCCU Free Checking Account!
All information based on company website and/or telephone calls to the banks. Information collected on 6/8/11 and is subject to change. |
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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 surcharge-free 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 and e-statements
- Free Mobile 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 use of electronic access services… Internet Banking and e-statements
- PLUS… You can use our free electronic Bill Payer service!
- FREE unlimited ATM transactions at MCCU or selected surcharge-free CO-OP ATMs.
- Converts to Free Checking account after 4 years. Click to check out MCCU's complete package of Student Services.
- Free Mobile Banking
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 use of electronic access services… Internet Banking and e-statements
- PLUS… You can use our free electronic Bill Payer service!
- FREE unlimited ATM transactions at MCCU or selected surcharge-free CO-OP ATMs.
- Converts to Free Checking account when teen turns 18 years old
- Free Mobile Banking
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 surcharge-free CO-OP ATMs.
- FREE use of electronic access services… Internet Banking and e-statements
- PLUS… You can use our free electronic Bill Payer service!
- Free Mobile Banking
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
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