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Easy, reliable everyday checking.

Direct Checking keeps everyday banking simple with the essential features you need and easy access to your money when you need it most.

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Here's what sets it apart.

No fees When you maintain $1,500 average balance.
Free checks No charge for check orders. No matter what.
Earn higher dividends Grow your wealth with the power of dividends paid out based on your balance.
ATM freedom, nationwide No Arise fees on foreign ATM use, plus up to $10 in surcharge rebates every month.

Key facts

Monthly fee Low/waivable
Debit card Included
Online banking Basic
Opening deposit Low minimum
Dividends Competitive rate

Direct checking.

One account. A full toolkit. Here's what's included from day one.

  • Competitive dividends on average daily balances up to $1,499.
  • Premium dividend rate on monthly average balances of $1,500 and above.
  • No monthly service charge when your average daily balance stays at $1,500 or above, and a simple $6 fee each month if you fall below.
  • Minimum opening deposit of just $10.
  • MasterMoney® Debit Card or ATM card (must be 18 or older to apply).
  • Standard-style checks at no charge.
  • No Arise fee for non-Arise ATM use, with up to $10 in ATM surcharge rebates per month.
  • Online banking with unlimited Bill Pay.
  • Mobile banking app, available 24/7.
  • Text Message Banking for fast, on-the-go balance checks.
  • Mobile Check Deposit powered by DeposZip™ (must be 13+, with a valid email and enrolled in Online Banking).
  • eStatements: paperless, organized, and always accessible.
  • Federally insured up to $250,000 by the NCUA; additionally insured by MSIC for amounts above the NCUA limit.
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Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living.

You're 3 steps away from your new account.

We've made opening an account as simple as possible, because you've got more important things to think about. The whole process takes about five minutes. Really.

Open An Account
Step 01

Tell us about yourself.

Enter a few basic details so we can get to know you and start setting up your new account.

Step 02

Pick your account.

Select the account you would like to open. Unsure? Give us a call, we'll help you find the account that fits your life.

Step 03

Start saving.

Fund your account with as little as $1 and watch your money grow. No waiting periods, no hidden hurdles. You're in.

Your Direct Checking Account questions, answered.

The ones we hear most. Answered plainly, without the fine print.

Just $10.

There's a simple $6 fee if your average daily balance falls below $1,500. Keep your balance at or above that, and there's no monthly service charge.

Yes, you earn competitive dividends on balances up to $1,499, and a premium rate on monthly average balances of $1,500 and above.

Yes, and we'll rebate up to $10 per month in ATM surcharge fees.

Use Mobile Check Deposit, powered by DeposZip™. You must be 13+ with a valid email and enrolled in Online Banking.

Yes, online banking with unlimited Bill Pay and our mobile banking app are both included, available 24/7.

Yes, your funds are federally insured up to $250,000 by the NCUA, with additional coverage by MSIC above that limit.

Terms and Conditions

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