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Your Money.
Your Terms.
Open an Everyday Hero Checking account with NO MINIMUM DEPOSIT today to take advantage of on-the-go banking with no surprise fees.
Features & Benefits
- No monthly service fees or minimum balance fees
- Access to over 33,000 fee-free ATMs nationwide
- Get paid up to 2 days early with direct deposit
- No hidden fees
*MCU Membership Eligibility:
Membership at Municipal Credit Union (MCU) is open to:
- - Individuals who live, work, worship, or attend school in New York City (NYC).
- - Employees of New York State or Federal government agencies based in New York.
- - Immediate family members or household members of existing MCU members.
Membership eligibility is subject to verification. Certain restrictions may apply.
An active Share Account is required to open an Everyday Hero Checking account.
Co-Op Network surcharge-free ATMs must show CO-OP ATM logo. ATM transactions made outside of MCU ATM network or CO-OP ATM Network may be subject to fees. Please visit our online ATM Locator for a list of surcharge-free ATMs
Get Paid Faster with Direct Deposit and Automatic Transfer.
Set up automatic deposit of regular paychecks (or any other recurring payments) directly into your Hero Savings,, Everyday Hero Checking, or Basic Share Draft account—securely and without incurring any additional fees—and enjoy immediate access to your money.

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