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CHECKING
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.
Everyday Hero Checking
Hassle-Free Checking
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.
Manage Your Money on 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.
Say "Hello" to Hassle-Free Banking
Enjoy hassle-free banking on your terms, without minimum balance fees, returned check fees, or replacement debit card fees.
Make Deposits On-The-Go, With No Lines
Save time, and deposit checks conveniently at any time and from nearly anywhere using the NYMCU Mobile Banking app.
Save Time and Avoid Fees
As an MCU member, you have the added benefit of accessing over 33,000 ATMs* nationwide, in addition to visiting an MCU Branch or ATM. Enjoy free access at popular franchises and regional stores across the country.
Locate a nearby fee-free ATM by visiting the Co-Op website today or click here to find the nearest MCU ATM.
Rest Easy Knowing Your Funds Are Protected
Feel secure knowing your funds are protected. MCU deposit accounts are federally insured up to $250,000 by the NCUA. Learn more about your protection by clicking here.
Add an Overdraft Line of Credit to Your Checking Account for Extra Protection.
Linking your checking account to an Overdraft Line of Credit provides a safeguard against fees due to insufficient funds, ensuring your checks clear, your debit card transactions go through, and you stay on top of your payments.
Get Paid Faster with Direct Deposit & Automatic Transfer.
Set up automatic deposit of paychecks (or any other recurring payments) directly into your Share, Everyday Hero Checking, or Basic Share Draft account—securely and without incurring any additional fees—and enjoy immediate access to your money.
All Your Banking, Accessible Anywhere
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
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.
