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ALERT
Our Midwood branch located at 1560 Flatbush Avenue in Brooklyn will reopen this Friday, May 31st!

In the meantime, you can securely access your accounts by logging into Digital Banking or visiting any of our other local branches.

LIMITED TIME OFFER

Get $100* in 100 Days!

Now YOU can join MCU!
Open Your Free Checking Account** and claim your $100.

*You must open a Checking Account with MCU between 5/1/24 and 6/30/24 connected to direct deposit or payroll deduction to get $100. Limit one account-opening bonus per qualifying account. If requirements have been met, the $100 will be deposited into your account 8/9/2024. Offer not available to individuals who were a primary account owner of an MCU checking account in the last 12 months. Account must not be closed or restricted during the time of promotional period. Offer is subject to cancellation without notice. Account opening is subject to approval.

** An active Share Account is required to open.

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Everyday Hero 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.

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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

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. 

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. 

Learn About Overdraft
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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.

Learn About Direct Deposit
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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
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FAQs

Get Answers to Our Most Frequently Asked Questions.

Can I be sure that my deposits are safe?

The National Credit Union Administration (NCUA) insures MCU deposits, so you can trust that your funds are safe. The NCUA is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Your savings are federally insured to at least $250,000 by the full faith and credit of the United States Government. Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) provides federal production to IRAs up to $1 million (some restrictions may apply depending on roll-over status and uniquely unqualified accounts).

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 Us
Learn More About Membership
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