Checking Accounts

Our Checking Account includes free online banking, bill pay, VISA debit card, direct deposit, 24-hour phone access, and use of 16 branches plus over 1,000 surcharge-free NC Credit Union Network ATMs. Keep $25 in the account on the last day of the month to earn dividends and avoid a $3 fee. Dividends are paid and compounded monthly based on your average daily balance. To open an account, apply online or visit a branch to apply in person. Not a member? Call 800-951-8000 or visit our website to join.

How to Open an Account

To open an account, you must be a member. Find out about membership eligibility on our Join MCU page. If you meet eligibility requirements, you can join and open an account online or visit your nearest MCU branch location to apply in person. For assistance, call 1-800-951-8000 Monday through Friday, 8 a.m. to 5 p.m.

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

Our excellent electronic products allow you to access your accounts from anywhere. Enjoy full account access with our online banking service, MEMCU Online, or over the telephone with our incredibly easy Tell-Com product. Pay your bills online with our time and money-saving eBill 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 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 to your employer’s payroll department. Find out more by calling 800-951-8000.

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 MEMCU Online

• Paperless EStatement

• TELL-COM 24/7 account access via telephone

• Optional FREE Direct Deposit