MNCU offers dividend bearing checking accounts and checking accounts that do not earn any dividends.

Dividend Bearing Checking
This account is a dividend bearing checking account. There is no limit on the number of deposits or withdrawals.

The minimum balance to open a share draft account is $50. You must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield. There is a monthly service fee of $5 unless a $300 balance is maintained in either savings or checking.

Free Checking Accounts           
This account does not earn dividends and there is no monthly service fee.

The minimum balance to open this account is $50. There is no limit on the number of deposits or withdrawals.

ATM & DEBIT CARDS

ATM Cards
The ATM card is an easy and convenient way to receive money from your savings and/or checking accounts. There is a maximum of 3 withdrawals and a $200 limit per day.

There is a $1 monthly fee, and $0.50 per transaction fee for the ATM card. An application needs to be completed and approved for your ATM card.

MasterMoney Debit Cards
The Debit Card works just like the ATM card, but also allows you to make purchases at a merchant without writing a check. Your purchases are deducted from your checking account. The MasterMoney Debit Card can be used anywhere MasterCard is accepted.

There is no monthly fee or per use fee for the debit card and there is no set up fee.

An application needs to be completed and approved for your Debit Card.