2018 Checking Account Changes

We have been listening to our member feedback regarding better deposit account options. Based on this feedback we evaluated all of our accounts and compared them to options within our market.

We will be consolidating our deposit accounts and changing the rate structure. As part of our values we believe in the power of transparency and simplicity. We believe these changes will provide our membership with more options to grow your money and straightforward choices when selecting the accounts that best fit your financial goals.

Effective January 1st, 2018 we will offer the following checking accounts:

Smart Spend Account

A checking account without the hassle of checks. You can make deposits just like a regular checking account while enjoying the convenience of a debit card so you don’t have to carry cash or checks to buy things. Smart Spend accounts are only $7.50 per month.

Account Features

  • No minimum balance
  • Free Bill Pay
  • Free Online Banking
  • Free Mobile Banking
  • ACH Accessible
  • Free Electronic Statements

Basic Checking Account

As the name suggests, this is our basic transaction account.

Account Features

  • No minimum balance
  • No monthly fee
  • Free Bill Pay
  • Unlimited check writing
  • Free Electronic Statements
  • ACH Accessible
  • No fees on member initiated transfers
  • Free Online Banking
  • Free Mobile Banking

Premium Checking Account

This account is ideal for members who carry higher balances. Earn dividends at premium rates, based on tiered balances*. There is a minimum balance of $1,500 and a monthly service fee of $5.00 if your balance drops below the minimum balance.

Account Features

  • Free Bill Pay
  • Free Online Banking
  • Free Mobile Banking
  • Free Electronic Statements
  • ACH Accessible
  • No fees on member initiated transfers
  • Unlimited Check Writing

FREE Features for Members Over 60 for Any Checking Account:

  • Free Cashier’s Checks
  • Free Money Orders
  • 2 boxes of MFCU Checks
  • Free Paper Statements

Not to worry, you will be able to continue using your current account and checks.

If you have any questions, please don’t hesitate to contact us at 406-523-3300 with any questions or concerns regarding these upcoming changes.

Our Mission:

To be a force for good in banking, in the communities we serve and in the lives of our members.

*Rates are subject to change. Please visit our rates page to view current rates for all accounts.

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