Advantage Checking

Are you an engaged money manager who wants a return on investment and flexible management tools? Advantage Checking pays you tiered dividends while providing all the electronic tools you need to actively, conveniently manage your account.

  • Earn Dividends
  • Unlimited Check Writing
  • Minimum Balance Required
  • Multiple Overdraft Options

In addition, we offer convenient access tools on all our checking accounts.

  • Free Online Banking and Bill Pay
  • Free E-Statements
  • Free Account Alerts
  • Free Unlimited ATM Access at MCFCU ATMs
  • Visa Debit Card with FREE Debit Card Rewards Program

Choose the account that fits your lifestyle

 No Fee CheckingAdvantage Checking
Minimum to Open$0$1,000.00*
Minimum Account Balance$0Minimum balance required to obtain the APY for the dividend period. $6.00 fee if average monthly balance falls below $1,000.00.
Monthly Maintenance FeeNone$6 fee waived with an average monthly balance of $1,000.00 or more.
Free Mobile Banking App
Free Remote Check Deposit
Free Online Banking & Bill Pay
Free Account Alerts
Debit Card:
Debit Card Freeze^
E-Savings ToolsPiggy Banking^ & Club AccountsPiggy Banking^ & Club Accounts
Free E-Statements
Alliance One Surcharge-free ATMs**
Shared Branching
(Access to over 5,000 Branches nationwide)
Interest EarnedTiered Interest Rates and APYs (Annual Percentage Yield)
Multiple Overdraft Options
Unlimited Check Writing

*Requirements: E-Statements, Online & Mobile Banking, Bill Pay, and Debit Card. Use of Midwest Community Federal Credit Union Mobile Deposit is governed by the Terms and Conditions document given during enrollment. Standard data rates from your wireless provider may still apply.
^Debit Card Freeze requires our mobile app.
^Piggy Banking requires a debit card.
**Fee Schedule

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