Checking Accounts

We can offer a truly free checking account; free from monthly fees and required minimum balances, all while earning interest each month. When compared to our competition, it only makes sense to stop paying to access your own money. 

What’s Better Than Free?!

Are you or a family member paying monthly fees on your checking account at another financial institution? Switch to MEFCU today and save!

Our accounts are free from monthly fees and required minimum balances, and you earn dividends every month. Plus, you gain the convenience of our fee-free mobile banking options including our app, bill pay, mobile deposit, and more! As an added bonus, if you open a new checking account with us between October 1 and November 23, 2020, you’ll get your first box of checks free.

We have several options to safeguard against the stress of a declined transaction. Our first option is Overdraft Protection, which is a personal line of credit we link to your checking account. If there are not enough funds in your account it will automatically transfer to cover your transaction.

If you are not interested in a line of credit, we can set up your savings account to automatically transfer funds to your checking account when needed. Lastly, we offer Courtesy Pay, which may cover the cost of your purchase or ATM transaction, even if you don’t have the funds available. 

Digital Payments

We offer a wide range of digital options to help do your banking and monitor your account when it's convenient for you.

  • Easily transfer money between your accounts at any time, using a computer or mobile device.
  • Use our online bill pay service to pay your monthly expenses, including loans and utilities.
  • Link your Visa debit or credit card to your mobile device to pay instantly at checkout. 


Mobile Deposit

Mobile Deposit

Deposit checks when it’s convenient for you, using our app on your mobile device. Simply sign the back of your check and use the app to upload photos. The mobile deposit will be made automatically, saving you a trip.

Switch Kit

Make the Switch

Changing financial institutions is easy with the right tools. Use our switch kit to find all of the forms you will need, and to help ensure that your bases are covered when you make the switch to a better financial future.