MMFCU offers two types of business checking to better meet the needs of your growing business. Experience the cutting-edge technology and highly personalized service that makes your everyday financial transactions quick and easy.
Regular Business Checking No minimum balance Minimum opening deposit $100 First 500 transactions each month are free (a .05 cent fee will be charged for any additional transactions) Stop Payment of a check $20.00 Overdrafts $25.00 per overdraft A $1.00 transfer fee will be charged for each automatic transfer from your S1 share account to cover an overdraft
Business Dividend Checking $5,000 minimum balance Minimum opening deposit $5,000 First 500 transactions each month are free (a .05 cent fee will be charged for any additional transactions) Dividends paid monthly A minimum daily balance of $5,000 must be maintained each day to earn the disclosed annual percentage yield Stop Payment of a check $20.00 Overdrafts $25.00 per overdraft A $1.00 transfer fee will be charged for each automatic transfer from your S1 share account to cover an overdraft.
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 nationwide toll free at 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.
PC Teller Online Account Access!
Access your accounts online 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! Visit our ATM locator to find one near you!
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!
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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