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We totally get that checking is not a one-size-fits-all service.

For that reason, MMFCU offers a variety of checking accounts delivering cutting-edge technology and highly personalized service. We even provide the tools to switch your existing deposits and auto payments from your old account to MMFCU with ClickSWITCH.


Free Kasasa Cash® Checking

Earn awesome cash rewards every month just for doing simple things, like using your debit card. There’s no minimum balance to earn rewards and never a monthly maintenance fee. 

  • 2.00% APY* on balances up to $10,000
  • 0.15% APY* on balances over $10,000
  • 0.01% APY even if qualifications are not met!
  • Refunds on ATM withdrawal fees nationwide, up to $25.00*
  • Can link to free Kasasa Saver® to build savings automatically


Free Kasasa Cash Back® Checking

Get paid to shop when you use your debit card — earn cash back on your purchases and get refunds on ATM withdrawal fees.* There’s no monthly maintenance fee and no minimum balance to earn rewards. 

  • 2.00%APY cash back on debit card purchases*
  • Earn up to $96 cash back per year, $8 per month*
  • Refunds on ATM withdrawal fees nationwide, up to $25.00*
  • Can link to free Kasasa Saver® to build savings automatically


Simply Free Checking

No monthly service charges, unlimited check writing, unlimited VISA Debit Card transactions, and no minimum balance required for Simply Free Checking.

  • Stop Payment of Check - $25.00
  • Overdraft Privileges - $25.00 per item
  • Auto-transfer in $50 increments from savings to cover overdraft - $1.00 

Regular Checking

There is no minimum balance required and if less than ten checks clear (VISA Debit Card transactions are not counted as cleared checks) your account in a given month, there is no service charge for Regular Checking. 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.

  • Stop Payment of Check - $25.00
  • Overdraft Privileges - $25.00 per item

Money Market Checking

This investment checking 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 - $49,999 | $50,000+

  • Stop Payment of Check - $25.00
  • Overdraft Privileges - $25.00 per item
  • Auto-transfer in $50.00 increments from savings to cover overdraft - $1.00 
  • Minimum Balance Fee - $10.00

*If balance falls below $1,500 at anytime during the month, no dividends will be earned.

GOLD Club Checking

Exclusivelyfor members aged 55 or better, take advantage of this checking program thatfeatures unlimited check writing, no monthly service charges, and requires nominimum balance. You’ll receive one free box of basic style checks each year,as well as opportunities for discounted travel and free educational workshops.

Teen Club Checking

We’ve created this program just for our members aged 13-18 with parent/guardian co-signature. Open your own checking account and gain financial freedom without the hassle of monthly service charges or monthly balance requirements. Your FREE Checking account also provides one free box of basic style or school logo checks every year (that’s up to 175 checks), ATM access, a VISA Debit Card, (you can choose a FREE Photo Debit Card in place of FREE checks) and the ability to check your accounts and make transfers on your home computer. (A parent/guardian co-signer will be needed for teens under 18) 

*If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions, call your local branch or complete the form and return to a branch or mail to: MMFCU, PO BOX 2907, Baxter, MN 56425

Features & Benefits of MMFCU Checking



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) which makes you part owner of our credit union. 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. Overdraft protection options are activated when your checking account doesn't have enough funds to cover your checks and other transactions made using your checking account number, bill payments, ATM transactions, and/or everyday debit card transactions. Your MMFCU account must be maintained in good standing which includes at least: bringing your account to a positive balance with in 35 days, not being in default on any loan or obligations to MMFCU and not being subject to legal or administrative order or levy. Transfers of $100.00 increments are made automatically to your account - Subject to credit approval. No cost or interest paid unless you use it. Pay off the balance in full or with regular monthly payments. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.*There is a $10 fee for new, replacement, or photo changes on photo debit cards. Account transactions andactivities may take one or more days to post and settle to the account and allmust do so during the Monthly Qualification Cycle in order to qualify for theaccount’s rewards. The following activities do not count toward earningaccount rewards: Transfers between accounts, non-retail paymenttransactions and purchases made with debit cards not issued byour credit union. “Monthly Qualification Cycle” means a periodbeginning one (1) business day prior to the first day of the currentstatement cycle through one (1) business day prior to the close ofthe current statement cycle. Reward Information: Rewards vary by account.Depending on what Kasasa account you open, you will receive the followingrewards when you meet your account’s qualifications during a MonthlyQualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%;and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cash back on PIN-based/signature-baseddebit card purchases that post and settle to the account during that cycleperiod. A maximum of $8.00 cash back may be earned per Monthly QualificationCycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account):Balances up to $25,000 in your Kasasa Saver account receive an APY of 1.00% andbalances over $25,000 earn 0.15% interest rate on the portion of balance over $25,000. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 persingle transaction) for nationwide ATM fees incurred during the MonthlyQualification Cycle in which you qualified. ATM receipt must be presentedwithin sixty (60) calendar days of transaction for reimbursements of individualATM fees of 5.00 or higher. When your Kasasa account qualifications arenot met all balances in a Kasasa Cash account earn 0.01% APY*; all balances ina Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATMfees are not reimbursed. Rewards reimbursements will be credited the last calendar day of each month. ATM feereimbursements will be credited to the appropriate Kasasa account on the lastday business day of each month. When linked to the Kasasa Saver account, thedividends earned within the linked Kasasa Cash account does not compound sinceit is automatically transferred to the Kasasa Saver account. Due tonon-compounding, the actual dividend amount transferred from the Kasasa Cashaccount to the Kasasa Saver account may be less than the advertised Kasasa CashAPY*, if the advertised APY* is represented without a linked Kasasa Saveraccount. APY = Annual Percentage Yield. APYs accurate as of 10/24/17.Rates and rewards are variable and may change after account is opened. Fees mayreduce earnings. Additional Information: Account approval, conditions,qualifications, limits, time frames, enrollments, and other requirements apply.No minimum deposit is required to open a Kasasa account. Qualifications andrewards may vary by account. Monthly qualifications include: 1 ACH Debitor Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit1 account per social security number. There are no recurring monthlymaintenance charges or fees to open or close this account. A Kasasa Cash orCash Back account is required to have a Kasasa Saver account. Contact MMFCUMember Services for additional information, details, restrictions, processinglimitations and enrollment instructions. Certain restrictions apply. Federallyinsured by NCUA.

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