Checking | Municipal Credit Union

Easy-to-Use Checking That’s
Anything But Basic

At MCU, your membership means that you can select a checking account that fits the way you manage your money. Explore checking options designed to help you meet your financial goals.

Everyday Hero Account

Stay on top of transactions and make budgeting easy with an Everyday Hero Account. Get paid as soon as possible with direct deposit, manage your money on the go, enjoy easy ATM access, and get real-time transaction updates to keep your spending on track.

Basic Share Draft

Our Basic Share Draft account delivers no-frills checking. With no minimum deposit and low maintenance fees, it’s an account that’s accessible to all those in need of a better way to bank.

MCU² Student Banking

College students between the ages of 17-24 can take advantage of MCU²Student Banking, designed to help busy students stay on track—featuring hassle-free checking, low-interest loans, MCU² Student VISA® cards, and more.

Banking That’s Always by Your Side

When we say our community, products and services are accessible to all members, we mean it. Our members enjoy access to an easy, user-friendly digital banking interface that allows them to bank from the comfort and convenience of wherever they are.

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.

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.

Make the Most of Your MCU
Membership.

Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.

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Get Answers to Our Most Frequently Asked Questions.

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 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.

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Personal Banking

Discover Personal Banking Designed for NYC’s Everyday Heroes.