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Checking designed for your lifestyle, and goals.
Everyday Hero Checking
Experience everyday convenience, flexibility, and peace of mind — all with no hidden fees.
33,000+ Fee-Free ATMs Nationwide
Access your money anytime, anywhere — surcharge-free.
Get Paid Up to 2 Days Early
Receive your paycheck sooner with direct deposit.
24/7 Banking Security
Around-the-clock fraud and security monitoring to keep your money safe.
Zelle® Integration
Send, request, and receive money instantly through Digital Banking or the NYMCU Mobile App.
Free Debit Card
Receive an MCU debit card — no extra cost.
Digital Wallet Ready
Link your debit card to Apple Pay®, Google Pay™, or Samsung Pay® for secure, touch-free payments.
Contactless Payments
Tap your chip debit card for a fast, encrypted transaction — no swiping or inserting required.
Federally Insured Protection
Your deposits are insured up to $250,000 per member by the NCUA.
MCU2 Student Banking
Are you a college student aged 17–24 ready to level up your money game and bank smarter with tools built for you?
Start building smart money habits and managing your finances with confidence. With MCU2 Student Banking, you’ll take the first step toward financial independence — and enjoy all the perks of being an MCU member.
NOTE: A qualified guarantor who is a parent or legal guardian is required for individuals under the age of 18.
Basic Share Draft Account
Looking for a simple way to manage your money?
Our Basic Share Draft Account is made for members who aren’t eligible for the Everyday Hero Checking account and currently do not maintain a checking or share draft account at any other financial institution. It’s an easy, reliable way to access your funds and take the first step toward confident money management.
Stop by a local branch today to learn more.
1MCU 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.
Banking That’s Always by Your Side
Digital Banking and the NYMCU Mobile Banking App make it easy to achieve your financial goals with helpful 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
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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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.
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.
