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For the safety and security of our members and MCU team, please note that the hours of operation for the South Bronx Branch ATM lobby located at 560 Courtlandt Avenue Bronx, NY have recently been updated.

For the most current hours and to locate a nearby Branch/ATM, please visit our Branch/ATM locator tool.




Get an A+ in Banking

Hassle-free banking for students age 17-24.

Features & Benefits

  • Open with as little as $0
  • Get MCU² Debit Card
  • Access to over 33,000 surcharge-free ATMs* nationwide through the Co-op ATM Network2
  • No monthly service fees or minimum balance requirements
  • Send money to friends and family with Zelle®. Must be 18 to access Zelle®.
  • Bank on-the-go around the clock with Digital Banking and NYMCU Mobile Banking.

Mobile Deposits

Say goodbye to waiting in line at the bank - now you can deposit checks from the comfort of your own home or while on the go. With Mobile Deposit, you can bank whenever and wherever it suits you, 24/7. Enjoy the freedom of managing your finances on your own schedule, all at the tip of your fingers.


Build a Brighter Financial Future.

If you are an eligible student between the ages of 17 and 24, join us and open an MCU2 Student Banking account today. Trust us—your future you will thank you.

NOTE: A qualified guarantor who is a parent or legal guardian is required for individuals under the age of 18.

Download the Mobile Banking App
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Get Answers to Our Frequently Asked Questions.

How do I know if I am eligible to open an MCU2 account?

The MCU2 Program is specifically designed for college students between the ages of 18-24 to establish healthy financial habits. If you fall into this category, you may be eligible for an MCU2 account.

If I am under 18, do I need a parent or guardian to sign up for me?

Yes, if you are under 18, you will need someone to sign up with you for a joint account. When you reach the legal age of 18, you can manage the account entirely on your own.

Do I need to open all these products? Or can I pick and choose?

The MCU2 Program offers products and services such as a checking and savings account, loans, MCU2 debit card, and more. However, it is up to you to decide which products fit you best—with no obligation to have them all.

I am a college student, but not in New York. Am I eligible?

Yes! Even if you don’t attend a college in New York, if you’re otherwise eligible for MCU membership, you can set up an MCU2 account and access it online at any time that works for you.

* 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.

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