Free Checking is supposed to be free.
We like to keep it that way.
No monthly fees
No minimum balance
Most financial institutions require a minimum balance or a minimum direct deposit to avoid the fees.
Free Online Banking and Bill Pay
Free Mobile App with Mobile Deposit Capture
Payroll checks deposited by 1:00 p.m. CT are made available same day.
Free e-statements
Free Overdraft transfers from savings*
Compared to fees as much as $35 per transaction at other financial institutions
Access to over 55,000+ surcharge free ATMs worldwide
And hey, the first book of checks on us
In addition, when you have an established direct deposit relationship with MCLCU, you can receive discounts on our already low-rate consumer loans.
Make the Switch Today!
Click Here for Our Switch Checklist
Use our switch checklist to help guide you.
Read MoreWe are part of the Allpoint network! 55,000+ surcharge free ATMs worldwide
You can find Allpoint ATMs virtually anywhere you travel with over 55,000 participating ATMs. Your cash is never far away. In fact, one out of every twelve ATMs in the U.S. participates!
Allpoint ATMs are located in the most popular retail stores. They are located in the places you already know, love and shop everyday. You can find Allpoint ATMs at these retailers, and many others…
There is a growing number of deposit receiving ATMs in the Allpoint network. Look for the Allpoint+ logo for the opportunity to deposit to your MCLCU account
Already have a MCLCU checking account and need a debit card? Get one here
To qualify for a checking account you must me a member of MCLCU and have a regular share (savings) account with a minimum $100 deposit. Other terms and conditions apply.
*six (6) free overdraft transfers from savings per month after that a $5.00 per transaction charge will apply. Any transaction in which there is not enough available funds in your savings account to cover the transaction will result in the standard $25.00 return fee.