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Our Checking Account Fits your Needs!

Absolutely, positively free checking.

Sign up for a free checking account that lives up to its name. 

  • No Minimum Balance Requirements
  • No Monthly Service Charge
  • No Opening Deposit Required
  • No Credit Check at Account Opening
  • Free access to Mobile Banking, Online Banking and Bill Pay Services
  • Free Account Alerts
  • Overdraft Protection with Free Share to Share Options
  • Free Electronic or Paper Statements
  • Free Contactless Mastercard Debit Card with chip technology
  • Free Card Controls; turn your card on and off
  • Free SAVVY Money with credit score monitoring
  • Mobile Wallet with Free Apple Pay, Google Pay and Samsung Pay
  • 30,000 surcharge-free ATMs through the Co-Op ATM Network
  • Audio Response System (901-321-1234) for 24-hour account availabilityThe Co-op ATM partnership logo.
  • and more!

Interest earned on accounts with a minimum $1000 daily balance. Dividends compounded daily and paid monthly. Rates are subject to change without notice.


Overdraft Privileges

We all make mistakes. With our Overdraft Privileges, qualified* members can save money and avoid the embarrassment of returned checks, declined debit card purchases, and electronic funds transfers. This program offers: 

  • Protection from merchant returned check charges
  • Protection from late fees associated with late payments on monthly bills
  • Protection of your good credit and name

For more information, visit our Overdraft Privileges Page

*Must be at least 18 years old and not past due on any Credit Union obligation. New Checking accounts opened 60 days or more may have a $600 Overdraft Pay limit, including fees. Eligibility is at the discretion of the Credit Union. A request to “Opt-In” for Overdraft Privilege will be required for Point of Sale (POS) or ATM debits. A $25 fee may be charged per overdraft occurrence. 

*There is no limit to the total fees that can be charged per account. Repayment of overdraft balance and fees are payable upon demand. If payment is not made within 30 days, these privileges will be suspended. A $25 fee may be imposed for overdrafts created by checks, ATM withdrawals, Debit card transactions or by other electronic means, as applicable.

Remote Check Deposit

Deposit your checks anywhere, anytime! Life is hectic. With Remote Deposit, you can deposit your check from anywhere, at any time using our MCECU Mobile Banking app. No more waiting in long lines or hurrying across town!

For proper endorsement of your check, please include:
  • Your Signature
  • For mobile deposit only into MCECU # (your member number). These are required; without them, your check may be declined.
  • Per deposit limit: $3,000
  • Daily deposit limit: $5,000

Become a MemberJoining your credit union only takes a few minutes!

Here's what you'll need: 
Your SSN
Your Driver's License or State ID
Your Contact information

Do you already have a login?
Log in and choose the Quick Apply Tab for a faster experience. We can prefill part of the application and provide access to your MCECU accounts.

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Set up Text Alerts on your mobile phone!

Keep and eye on your account with Text Alerts!

  • Transaction Alerts
  • Mobile Banking Access Alerts
  • Daily Balance Alerts
  • Loan Payment Due Alerts

If you would like more information, give us a call at 901-321-1200 or CHAT with us during normal business hours.

A couple signing documents.

Join MCECU, you become more than just a customer.