Checking

Options for the way you shop and pay expenses.

Compare Checking Accounts

A Checking Account That Pays 5%APY or Cash Back on Your Purchases.
YOU Choose!
Bonus ATM fees refunded.

Kasasa logo

Kasasa Cash® Checking

Earn cash rewards every month for doing the basics, like using your debit card. No minimum balance and never a monthly maintenance fee. One of the best checking accounts because of all its perks. 5.00% 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* Can link to free Kasasa Saver® to build savings automatically

Ask for Kasasa Logo

Kasasa Cash Back® Checking

Get paid to shop with your debit card! Earn cash back on your purchases and get refunds on ATM withdrawal fees. No monthly maintenance fee and no minimum balance to earn cash back from this checking account. 2.00% 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

Member taking cash envelope in Drive Through

Simply Checking

No monthly service charges, unlimited check writing, unlimited Visa® Debit Card transactions, and no minimum balance required for Simply Checking. A straightforward checking account. If you are 55 or older, opt for the Gold version of this account and receive a free box of checks every year ($14 value, shipping not included). For ages 13-18, get the Teen account that provides a free Debit Card and unlimited online access to manage your accounts.

Couple planning at desk with computer

Money Market Checking

A checking account built for investing. Start with $1,500 to earn dividends, then the more you invest, the more you earn! Unlimited transactions using personal checks, debit cards, ATMs and more

Earn All Your Checking Rewards By Signing Up for E-Docs/Statements and Notices

MMFCU’s Online Banking and Mobile App allow you to manage your money and go paperless by registered for E-DOCS. You will receive your statements, notices and tax documents electronically. By going paperless you protect yourself from statements being lost, stolen or even delayed in the mail as well as saving on paper and postage for the credit union you own.

Sign Up for Paperless Banking    
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Why MMFCU?

It’s time to do banking differently. At MMFCU, we believe that true financial growth can only happen when we all grow together.

Credit union banking is rooted in locals serving locals, for the good of our community. We care about this community because it’s our home too. When you progress, so do we and in turn, we help others do the same. Owned by members (that’s you!) and led by members–that’s the credit union difference.

Discover MMFCU

Frequently Asked Questions

What is my routing number?

MMFCU’s routing number is 291973360. Looking to set up direct deposit? You’ll need your account number that you want the funds to go to. The same can be said if you are looking to set up automatic payments to another financial institution or company. See the below FAQ for how to find your account number.

What is my account number?

Each account that you have with us has its own unique account number. Again, our staff can help you get this information, but only after you verify a few pieces of information about yourself. You can also find your account numbers in online banking or the mobile app.

Setting up direct deposit? You will also need your routing number for the financial institution you want the funds to go to. The same can be said if you are going to set up automatic payments to another financial institution or company. See the above FAQ for what your routing number is. 

What is my member number?

Your member number is essentially another form of ID for our staff to be able to pull up your account information. Your member number will be given to you at the time of opening your account. However, your member number is not used in any other way than to find you in our system. It is not necessary to know your member number, as there are multiple ways to find your accounts in our system, but if you should request it, staff can let you know after verifying a few pieces of information about you. 

How do I open an account online?

To open an account online, complete an online application. If you are new to MMFCU, we welcome you! As a part of the application process you will be asked to verify that you meet the criteria for being a member owner: live, work, worship, or attend school in any of the 10 counties in central MN that we serve, or are an immediate family member of someone who does. Immediate family includes spouse, parent, step-parent, child, step-child, grandparents, grandchild, brother, step-brother, sister or step-sister. For more information on the counties we serve see our About Us webpage

If you need help with opening your account, please contact us at (218) 829-0371.

Open an Account

How do I transfer money to/from my account at another financial institution?
Make a Loan Payment Tool

To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution.

Make a Loan Payment

Direct Pay

To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. You are also able to set up a direct pay in your local office

Set Up Direct Pay

How do I reset my PIN number on my debit card?

To reset your PIN number on your debit card, please call 1-866-985-2273. You will need to have your debit card handy as well as answer a few security questions. 

How do I get a replacement debit card?

To receive a replacement debit card, you can contact us at (218) 829-0371, make an appointment with staff, or go in Online Banking or the Mobile App to get a new card. Staff are able to get you a replacement debit card the same day in an office, or they can order you a new card that you will receive in 7 to 14 business days. 

How do I get a cashier’s check from my account?
In Office or Drive-Up

Request a cashier’s check from the teller line.

Locations

Over the Phone

Call us at (218) 829-0371 and request a cashier’s check. Please note that not all cashier’s checks can be mailed out, they may request that you come into your local office to pick it up. 

 

How do I know what is pending on my account?

To know what is pending on your account you can either call us at (218) 829-0371 or log into online or mobile banking. To see pending purchases or debits on your account, click on one of your accounts in online or mobile banking. Pending transactions will be listed at the top and marked as pending.

For pending deposits, you can contact us and our staff will be glad to help you.

How do I stop a payment using Online Banking?
If you are looking to do a stop payment, there are multiple ways to do so:

Log into online banking. In the navigation bar at the top hover over Transfer & Pay and select Draft Services. There will be two tabs in the top center of the page, make sure the Stop Payment tab is clicked. Then click the green New Stop Pay Request button to the right.

In the top drop down, select the account that the check was written off of. In the second box, put your full check number, this is located in the upper right corner of your checks and should be located on the carbon copy (if you don’t have a carbon copy, please look at your check register for the check number). If you have one check, you will just enter your number in the box. Enter the exact amount of the check.

If you have a range of checks that need to be stopped, you will put the 1st check you would like to stop (lowest number), then click the range box and enter the last check you would like to stop (largest number). In the Amount field, enter the exact amount (total) of the range of checks.

You are also able to search to see if the check you want to stop has cleared by searching matching transactions. In the Payee Name enter the name on the first check that you paid. Read the Stop Payment Policy, before clicking the “I agree” check box and submitting the request.

**You will be charged $25 service fee per each stop payment.

How do I order more checks?
In Office or Drive-up

Staff at your local branch will be able to order checks for you. They will need to know which account you need them for and any updates on what you want included on the checks. 

Locations

Can I lock or unlock my debit or credit card in case my card is lost, stolen or I suspect fraud?

If your debit or credit card is lost, you can protect yourself by locking and unlocking your card in Online Banking or the Mobile App under “Accounts” and then “Credit and Debit Card.” By doing so you can temporarily block new transactions from going through. You can also order a replacement card, post a travel notice, manage other alerts and controls, and do a balance transfer.

Download MMFCU Mobile App from iTunes or Google Play.

 

You can also use the MMFCU Cards App to lock and unlock your card. Download the MMFCU Cards App today from iTunes or Google Play.

If I am traveling internationally or nationwide, is there a way to note that so that my debit and/or credit card will work?

If you are planning to travel outside of your normal area of residency, it would be good to note that so that any purchases will not be blocked. You can do so for both an MMFCU debit or credit card in Online Banking or Mobile App.

Download the MMFCU Mobile App today from iTunes or Google Play.

To learn how to set up a travel notification see ‘How do I set up a travel notification for my debit or credit card in Online Banking or Mobile App?’

 

Need help finding the best checking account?

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*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 with 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 within 35 days, not being in default on any loan or obligations to MMFCU and not being subject to a 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 is 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 on debit cards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued b your credit union. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 5.00%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cashback on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cashback may be earned per Monthly Qualification Cycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $35,000 in your Kasasa Saver account receive an APY of 2.50% and balances over $35,000 earn a 0.15% interest rate on the portion of balance over $35,000. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications have not been met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cashback payments are not made, and ATM fees are not reimbursed. Rewards reimbursements will be credited on the last calendar day of each month. ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day business day of each month. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 2/1/24. Rates and rewards are variable and may change after the account is opened. Fees may reduce 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 and rewards may vary by account. Monthly qualifications include 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Truth in Savings Disclosure.

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