View Message

Alert: Zelle Service Disruption
Please be advised that Zelle is currently experiencing a temporary disruption, and the service is unavailable. 

We apologize for any inconvenience and appreciate your patience. Please check back for updates.

LIMITED TIME OFFER

Hassle-Free Checking

33,000+ fee-free ATMs*, no minimum balance, and no hidden fees.

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.

february-checking-overview_hero-image

Easy-to-Use Checking That’s
Anything But Basic

 Explore checking options designed to help you meet your financial goals.

Banking That’s Always by Your Side

Digital Banking and NYMCU Mobile Banking make it easy to achieve your financial goals with our helpful saving, mobile deposit, and budgeting tools. With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.

 
Download the Mobile Banking App
MCU-homepage-mobile-mockup-V3-new

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.

Learn About Direct Deposit
digital-banking-(1)
meet-leadership-team_visual-asset-left

No Matter Where You Are in Life,
We’re Right There with You.

At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college, to financing a home, to saving for retirement.

That’s why we have specialized recommendations for products and services designed to help you meet your goals (both in the short term and down the road), based on your changing needs and priorities.

Show Me Products For My Life Right Now
top top
bottom
FAQs

Get Answers to Our Most Frequently Asked Questions.

Can I access my MCU account online?

Yes! We make it easy for you to have access and to monitor your funds, no matter if you visit an in-person branch.

Where can I find MCU branches and fee-free ATMs?

Check out our page featuring all of our branches and ATMs. Choose from any of our 15 locations, and search for various fee-free ATM options.

Are my deposits insured?

Your savings are federally insured by the National Credit Union Administration (NCUA), a U.S. Government Agency. Savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

What’s the difference between "available balance" and "total balance"?

Your total balance is the amount of money held in your account. Your available balance may be higher or lower than your total balance and includes all pending transactions.

Can I use my MCU debit card anywhere?

Your MCU debit card can be used at any location that also uses credit cards, including ATMs.

Is there a maximum amount of transactions I can make with my Everyday Hero Checking Account?

There is no limit on the amount of transactions you can make with an MCU checking account each month.

Ready to Join the MCU
Community?

Apply now to get access to the competitive rates, personal banking products, and educational resources you need to create a foundation for an exceptional financial future.

Join MCU Today
Learn More About Membership
final-cta-green-visual-asset_left
final-cta-visual-asset_right
final-cta-visual-asset-paint-stroke
You are now leaving the Municipal Credit Union website and entering a website hosted by another party. A link to this site is being made available for convenience and informational purposes only. Any products or services accessed through this link are not being provided by Municipal Credit Union and are solely the responsibility of the vendor or merchant hosting this other website. Please be advised that the vendor or merchant hosting this other website may have a privacy and information security policy that is different than that of Municipal Credit Union. Municipal Credit Union disclaims any responsibility for the content of the third-party website you are about to access.