Products & Services


MCU offers our members two checking account options that make it easy for you to manage your money on a daily basis and Automatic Payroll Deduction and Direct Deposit to meet your day-to-day banking needs.

Eliminate all the hassles of day-to-day banking with an MCU Checking Account. You will be able to manage your money on a daily basis with an MCU Debit Card, Direct Deposit/Payroll Deduction and Mobile/Online Banking.

Features & Benefits:

  • $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 FasTrack Checking Account.
  • Account will not earn dividends

Note: Multiple accounts are only allowed for Share Certificates. All other deposit accounts are limited to one of each type.

* Active Share Account is required. A $9.00 minimum balance charge may apply - See Schedule of Dividends, Service Charges and Fees for details.

† Overdraft Protection is a loan (subject to approval), the terms of which are set forth in the Overdraft Protection Line of Credit Agreement.

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Features & Benefits:

  • Basic Share Draft is our basic checking account option*
  • Available to NY State residents only
  • $25.00 minimum opening deposit
  • $3.00 monthly maintenance fee
  • Minimum balance required to maintain account: $0.01 (MCU may close account if balance falls below $0.01)
  • Account will not earn dividends
  • Eight (8) withdrawals per calendar month at no additional charge (non-MCU ATM fees apply)
  • Excessive Withdrawal Fee: A $1.00 fee will be assessed for each withdrawal transaction made in excess of eight (8) during a calendar month. The fee may be assessed up to six (6) times, for a total of $6.00, during a calendar month
  • ATM/Debit card, online, mobile & telephone banking services are available
  • The member must establish Direct Deposit of recurring payments, if available

* Active Share account is required.

The safe, convenient way to deposit your paycheck, pension, Social Security, or any other recurring check.

Features & Benefits:

  • Automatically eligible for $250 Overdraft Line of Credit†
  • Deposit directly into your Share account, FasTrack Checking account or Basic Share Draft account
  • Set up automatic distribution to savings and loan accounts
  • Never wait in line

When setting up Direct Deposit, it is very important that you enter the correct Routing and Account numbers.

If depositing into your MCU FasTrack Checking account:

  • Routing Number - MCU’s Routing Number (also known as the ABA Number) is 226078036
  • Account Number - Use the second set of numbers at the bottom of your MCU checks

† Overdraft Protection is a loan (subject to credit approval),the terms of which are set forth in the ""Overdraft Protection Line of Credit Agreement.


If depositing into your MCU Primary Share Savings account:

  • Routing Number - MCU’s Routing Number (also known as the ABA Number) is 226078036
  • Use your 6, 7, or 8 digit Account Number. It can be found on every monthly or quarterly statement you receive (by mail or eStatements).

Don’t Use:

  • ATM Debit Card Number
  • VISA® Credit Card Number

You should not use your MCU VISA® ATM Card or VISA®Credit Card number for an ACH transaction. These card numbers are only for debit card and credit card transactions.

To enroll: Contact your Human Resources or Payroll department for instructions on how to signup for Direct Deposit. You will need to provide MCU’s routing number and your account number to set up Direct Deposit.

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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.