MCU Checking Accounts

We offer two checking accounts that have these features and benefits:

Basic Checking

This account is for members who choose to manage their banking primarily through MCU@Home online banking, ATMs, and Call24 telephone banking. Basic checking is a component of the Basic Advantage Level of Membership. For complete details, view Member Advantage Levels.

Opening Balance:	$25.00 or your first payroll deposit
Unlimited Check Writing:	No fees charged, low cost for check orders with Basic Advantage Level
Online Banking - MCU@Home	Free
ATM Card:	Free
Debit Card:	Free, $500 daily point-of-sale limit
Bill Payer - MCU@Home:	$2.95 per month, if used.
Teller Withdrawal:	$1.00
Overdraft Protection:	Not available

Checking Plus

This account is for members who plan to keep a balance in their checking account and want to earn interest on the outstanding balance. Checking Plus is a component of the Plus and Ultra Advantage Levels of Membership. Plus Advantage Level is available with a primary account relationship³ of $2,500 or more. If it drops below $2,500 you still receive all the Advantages for only $7.00 per month. Ultra Advantage Level is available with a primary account relationship³ of $25,000 or more to start. If it drops below $25,000 you still receive all these Advantages for only $12.00 per month. For complete details, view Member Advantage Levels.

Opening Balance:	$25.00 or your first payroll deposit
Unlimited Check Writing:	No fees charged, two boxes of checks any style for check orders with Ultra Advantage Level membership; or one box of logo checks for check orders with Plus Advantage Level of membership.
Interest Earned:	Competetive rates paid on average monthly balance above $1,000.00
Online Banking - MCU@Home	Free
ATM Card:	Free
Debit Card:	Plus Advantage Level, $1,500 daily point-of-sale limit Ultra Advantage Level, $2,000 daily point-of-sale limit
Bill Payer - MCU@Home:	Plus — Free with e-Statement, $2.95 per month without e-Statement; Ultra — Free
Teller Withdrawal:	Free
Overdraft Protection:	Transfers from Savings, Line of Credit, then Courtesy Pay up to $400.

³ Calculated each month end, by adding the monthly average daily balance for deposits, plus the end of month balance for loans not delinquent.