Checking

Members Credit Union offers a premium Checking Account without the premium fees. Our Checking Account comes standard with FREE Online Banking, FREE Online Bill Pay, FREE VISA Debit Card, FREE Direct Deposit, FREE 24-Hour Phone Account Access, and FREE access to any of Members CU’s 18 branch locations and more than 1,000 surcharge-free NC Credit Union Network ATMs. All we ask is that you keep a minimum balance of  $25  in your Checking Account on the last day of the month only to avoid a $3 minimum balance fee. In any month that your average daily balance is $25.00 or more, you will earn a competitive dividend. Dividends are paid and compounded monthly based on your account’s average daily balance. Members should complete an application to open a checking account. Not a member? Call 800-951-8000, option 5 and ask how you can join Members CU or visit our web page about joining.

How to Open an Account

To open an account you must be a member. Find out about membership eligibility on our Join MCU page. Print out a Membership Application and take it to the nearest MCU branch location. Existing members may fill out a Subsequent Action form to open new products. Call 1800-951-8000 (Monday-Friday, 8 a.m. to 5 p.m.) when you need assistance.

Account Access Cards

Learn more about Account Access Cards

MCU offers an impressive lineup of plastic account access cards that may be used for purchases and ATM withdrawals. Our MCU Cash Card and Visa Debit Card make shopping and cash access quick and easy.

24/7 Account Access

How to Sign up for Electronic Services

Our excellent electronic products allow you to access your accounts from anywhere. Enjoy full account access with our online banking service, MCU@Home, or over the telephone with our incredibly easy Tell-Com product. Pay your bills online with our time and money-saving eBill@MCU service, and access your last 18 statements through eStatements! All electronic services are FREE for Members CU members.

Direct Deposit

Pay yourself first! Have your check directly deposited into your Members CU Checking Account. Use payroll deduction to allocate how much you want to go to your savings account. It’s the easiest way to build up a savings and you don’t have to worry about driving to a branch on payday to deposit a check. Just fill out a Direct Deposit Authorization Form and give it your employer’s payroll department. Find out more by calling 800-951-8000, option 5.

Checking Account Overview

  • No per-check fee
  • Unlimited check writing
  • Overdraft protection available
  • Earn monthly dividends
  • Low balance fee only charged if you do not have at least $25 in your account on the last day of the month
  • FREE eBill online bill paying
  • FREE online check images
  • MCU Cash Card
  • VISA Debit Card
  • Account access through MCU@Home
  • Paperless eStatement
  • TELL-COM 24/7 account access via telephone
  • Optional FREE Direct Deposit