MEFCU Checking Accounts

A MEFCU checking account provides you with convenient access to your money with lower fees and more free access than most banks.

Deposit your paycheck automatically into your MEFCU checking account through direct deposit, and then access your funds virtually anytime, anywhere.  MEFCU is part of the surcharge-free Allpoint and CO-OP networks and provides you free access at over 70,000 ATM locations worldwide.

All MEFCU checking accounts feature:

  • Convenient 24x7 access through MEFCU Direct Online Banking and MET Telephone Banking
  • Add a MEFCU VISA Check Card or ATM card and enjoy convenient account access anytime, anywhere. Use your MEFCU Check Card /ATM card to make purchases at participating locations and to perform transactions at millions of locations worldwide.
  • Reorder checks easily through MEFCU Direct Online Banking
  • Free bill payment service  with MEFCU Direct Online banking
  • Free ATM access at over 70,000 machines worldwide    
  • Free deposits at shared branches and at over 9,000 CO-OP ATMs    
  • Two free shared branching and two free foreign ATM transactions each month    
  • Unlimited check-writing--no per-check fee     
  • Courtesy Pay Overdraft protection--avoid the embarrassment and cost of returned checks.  Courtesy Pay is a service that can help with overdrafts while avoiding the fees associated with denied transactions due to insufficient funds.To begin using Courtesy Pay, you must opt-in. Click here for the Courtesy Pay Opt-In form.
  • Apply for a Ready Access Line overdraft line of credit that can be used to pay your overdrafts and avoid fees

Free Checking* Account Features (In addition to benefits for all checking accounts):

  • No minimum balance requirement or monthly maintenance fee     
  • Direct Deposit of Net Pay is required to open this account

Regular Checking Account Features (In addition to benefits for all checking accounts):

  • Competitive dividend rates     
  • Low minimum balance requirement   
  • Free checks

Tips: Make Your MEFCU Account Work For You


Already A Member? Click here to apply for a checking account.

Not A member? Complete our secure membership application.

*Direct Deposit of net pay is required to open this account.

Regular Checking

Effective Date: 07/01/2017


Daily Balance to Earn APY
Prospective Dividend Rate
Prospective Annual Percentage Yield(APY)
Minimum Deposit to Open

or more

You must maintain an average daily balance of $2500 to obtain the disclosed annual percentage yield.
Fees may reduce earnings on accounts. See Schedule of Account Fees for more information - After account is opened, rates may change at any time and without notice at the discretion of the Credit Union Board of Directors.