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MMFCU offers three types of checking that delivers cutting-edge technology and highly personalized service. Our low-cost checking is complemented with free 24-hour account access, relationship discounts/bonuses plus many more benefits and features. Progressive service may be a fad at some financial institutions at Mid-Minnesota, its here to stay.
Simply Free Checking
No monthly service charges, unlimited check writing, unlimited VISA Debit Card transactions, and no minimum balance required for Simply Free Checking. A transfer fee of $0.50 will be charged for each automatic transfer from a share account to this checking account to cover an overdraft.
Stop Payment of Check - $20.00
Regular Checking
There is no minimum balance required and if less than ten checks clear your account in a given month, there is no service charge for Regular Checking. (VISA Debit Card transactions are not counted as cleared checks.) When more than ten checks clear your checking account in a given month, a $2.00 service charge will be assessed. If greater than fifty checks clear during the month, a $7.00 service charge will be assessed. If sufficient funds are not available in your Regular Checking account, automatic transfers from your interest-bearing regular share account cover potential overdrafts at no cost to you. Transfers occur in $50.00 increments.
Stop Payment of Check - $20.00
Money Market Checking / Simply Free Interest Checking
This high yield investment account gives you options! Our Money Market Checking account improves your cash flow by allowing unlimited transactions by personal check, debit card, ATM, and more. It's everything your MMFCU checking is, with a significant return on your deposit. A minimum balance of $1,500 is required to earn dividends. The more you invest, the more you earn! Tier Categories:$1,500 - $9,999 | $10,000 - $24,999 | $25,000 - $49,999 | $50,000+
Stop Payment of Check - $20.00
Auto-Transfer from savings to cover overdraft - $0.50
Features & Benefits of MMFCU Checking
Free VISA Debit Card
Use your VISA Debit Card instead of writing checks - it looks like a credit card, but acts like a checkbook. Get the added safety of one card for all of your ATM and purchase transactions. MMFCU's VISA Debit Card has no annual fee and no monthly service charges.
24 Hour Phone Teller
(218) 829-1455 or national toll free: 1-800-325-7881
Access your accounts by touchtone phone 24 hours a day with this free service. Balance inquiries, cleared check information, transfers, loan payments, and more can be done from the comfort of your own home. Phone Teller leads you through each transaction, and even lets you double-check your work.
Access your accounts via personal computer 24 hours a day! Transfer funds, reorder checks, print statements, make loan payments, get tax information, and much more. This free service requires no software to buy, and no setup fees to pay.
No-Surcharge ATM Service
Use your MMFCU Debit or ATM Card on MMFCU owned ATMs and never be charged a fee from your credit union! Plus, MMFCU is proud to offer members access from HUNDREDS of machines throughout central Minnesota, and over 15,000 units across the country! To find a list of ATMs owned by MMFCU and for a list of ALL Co-Op Network ATMs, visit the Co-Op Network website at: www.co-opnetwork.org
MMFCU's ATM program includes unlimited, free transactions whenever you use the Co-Op Network. The maximum automated teller machine withdrawal we allow is $200.00 per day. This limitation applies to MMFCU checking in combination with share account(s).
Free Direct Deposit
The safest, easiest way to have your money deposited to your checking (or savings) account, Direct Deposit is yet another free credit union service. Instead of taking time to cash or deposit your paycheck yourself, funds are automatically deposited into your account on an agreed-upon date. Ask your employer (or other payor, including state and federal governments) if they offer direct deposit. If they do, the rest is easy, not to mention free at your credit union!
Mid-Minnesota GOLD Club
For members age 55 or better. No monthly service charges. Unlimited check writing. No minimum balance. One free box of basic style checks each year. (Not to mention discounted travel and free educational workshops). Read more about our Gold Club.
Teen Club Checking
For members age 13-18 with parent/guardian co-signature. No monthly service charges. Unlimited check writing. No minimum balance. One free box of basic style or school logo checks each year. (Not to mention free educational workshops with free pizza and pop). Read more about MMFCU's Teen Club.
All MMFCU checking accounts require an initial deposit of $25.00. With each checking account, you are required to open a share savings account (minimum balance $5.00) Refer to your Truth-In-Savings Disclosure for a complete listing of checking account requirements and fees. The `Fee Schedule' section of this site also offers a listing of fees associated to MMFCU Checking.
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