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Checking Accounts

Traditional Checking Accounts

Our traditional checking account provides a full range of services at no cost to members, including these convenient features: 

  • No minimum balance requirements
  • No per check fee, no restrictions or hidden charges
  • Free miTeller Online Banking
  • Free Text Banking & miMobile App
  • Free eStatements & miPay Bill Pay
  • Free MasterCard® Debit Card featuring Member Rewards by CO-OP
  • 24-hour ATM access at more than 30,000 surcharge-free ATMs nationwide
  • Courtesy Pay* available

Advantage Checking Accounts

Enjoy the freedom of writing checks while earning a highly competitive dividend rate, as well as these convenient features:  

  • All the benefits of Traditional Checking
  • Competitive dividends credited monthly
  • Unlimited deposits and withdrawals
  • Minimum balance of $5,000 to open
  • 3 flexible and convenient tiers
  • Earn high yields without tying up funds long-term

Green Checking Accounts

Go paperless and help protect the earth when you choose Green Checking!

  • All the benefits of Traditional Checking
  • Competitive dividends credited monthly on any balance PLUS a 1.75% APY** bonus dividend

online check ordering

For your convenience, online check ordering is also available.


*$30.00 standard Courtesy Pay fee applies for each non-sufficient fund item paid and created by check writing, ATM withdrawals, Debit Card transactions or other electronic means including ACH transactions. The amount of any overdraft(s), plus courtesy pay fee(s) are due and payable upon notification from Michigan Community Credit Union, and must be paid in full within 30 days. The Credit Union’s Courtesy Pay service is non-contractual and discretionary. We reserve the right to solely approve Courtesy Pay for member accounts in good standing and may limit the number of eligible accounts to one per household. The Credit Union has the right to cancel Courtesy Pay anytime and without notice. The Credit Union provides Savings overdraft protection as an alternative form of overdraft protection. **Bonus dividend paid on Green Checking when montly qualifications are met; 15 signature-based and/or POS debit card transactions, use of miTeller Online Banking, miPay Bill Pay, eStatements, and direct deposit. APY=Annual Percentage Yield. Effective 7.1.13, the 1.75% APY bonus dividend earned on Green Checking when monthly requirements are met, will be paid on the first $25,000 in balances. The base dividend of .25% APY will be earned on the entire account balance.