Free checking, more rewards
At MECU, our checking accounts are designed to give you more every day. No minimum balance requirements. No monthly maintenance fees. Plus you can earn cash back, high interest or keep it no-frills. No matter what you choose, your wallet will thank you.
RewardChecking
There's interest checking and then there's RewardChecking. Earn an epic 3.00% APY on up to $10,000 in qualifying balances.
Open an Account Learn MoreBasic Checking
Get a Visa® debit card, unlimited check writing, Online Banking and Mobile Banking, all for free. Plus, you'll earn a competitive interest rate.
Open an Account Learn More| CashBack Checking | Reward Checking | Basic Checking | |
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| No monthly maintenance fees |
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| No minimum balance requirement | |||
| Built-in rewards |
Up to 3% cash back on qualifying monthly debit card purchases* |
Earn 3.00% APY on up to $10,000 in qualifying balances* |
0.10% APY* |
30,000+ free ATMs |
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| Reimbursement of some ATM fees at non-MECU ATMs** | |||
| Free Visa® Debit Card | |||
| Free Online Banking and Bill Pay | |||
| Top-rated Mobile App with Mobile Deposit | |||
| Higher relationship rates on savings accounts |
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| First check order is free | |||
| feature |
| Account Type | Annual Percentage Yield (APY) | Minimum Initial Deposit |
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| Basic Checking | 0.10% | $25 |
| CashBack Checking | 0% | $25 |
| RewardChecking** | ||
| Balances from $0.00 to $9,999.99 | 3.00% | $25 |
| Balances $10,000.00 and over | 0.75% | $25 |
Disclosures
*Information accurate as of 4/1/19. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Minimum to open account is $25. To qualify for CashBack Checking all required transactions must be completed and cleared within the published cycle dates. Transactions posted after a specific cycle's qualifying period will be counted toward the subsequent cycle's totals.**ATM fee reimbursements up to $20 provided only if qualifications are met within the monthly qualification cycle. Checking account only.
View Fee Disclosure.
