The Upgrade is HERE!

Say “hello” to great new banking products and “goodbye” to worrying about fees incurred from minimum balance requirements, returned checks, or replacement debit cards. As of February 1st, 2023, our checking and savings accounts have been upgraded to make everyday banking more rewarding than ever.

Open Today
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Checking Made Easier than Ever: The New Everyday Hero Account*

Chart a new course for your banking needs with MCU. Open an account with no minimum deposit—from daily purchases to regular deposits and beyond, the Everyday Hero Account makes money management as easy as 1-2-3.

Features and Benefits:

  • End of the Minimum Balance Fee Era—Removal of $9 fee
  • Removal of the Debit Card Replacement fee—$5.00 fee
  • Removal of the Returned Check Fee (from other institutions) —$10
  • $0 minimum deposit to open and access to an MCU Debit Card
  • Deposit via Payroll Deduction or Direct Deposit
  • NYMCU® Digital Banking, including the Mobile App
  • Mobile Check Deposit
  • eStatements
  • MCU BillPay
  • Overdraft Line of Credit available† with a minimum of $250 and a maximum of $2,000
  • Point of Sale (POS) purchases and signature-based purchases debited directly from your Everyday Hero Account.
  • Account will not earn dividends
  • Enroll your MCU VISA® debit card in Apple Pay, Google Pay, or Samsung Pay.
piggy bank illustration

Share Accounts Are Now Hero Savings Accounts.

In addition to your Everyday Hero Account, we’ll also set up our new members with a Hero Savings Account** (formerly your Primary Share Account), making saving even more rewarding.

Features and Benefits:

  • No Minimum Balance Fee
  • No required aggregate daily balance
  • Access to an MCU Visa® Debit Card
  • Convenient access to funds through ATMs, NYMCU® Online/Mobile Banking and Touch Tone Teller
  • Deposit via Payroll Deduction or Direct Deposit
piggy bank illustration

Say hello to even more financial freedom when you apply today!

Experience Banking the Way It Should Be.

MCU members enjoy premium checking features that make everyday banking easier than ever before. Open your checking account today to maximize your financial freedom.

Open Today

*An active share account is required.

**Minimum opening deposit is $0.01, funded by MCU.

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Routing Number: 226078036

NMLS #:184286

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