Checking Accounts With You in Mind

MFCU has customized options for checking accounts to fit with your needs. We can help you select the checking account that’s right for you.

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

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

View Fees & Disclosures

What do I Need to Open an Account?

Our new field of membership includes:

  • Persons who live in;
  • Persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered in;
  • Persons participating in programs to alleviate poverty or distress which are located in; and,
  • Incorporated and unincorporated organizations located in or maintaining a facility in:
  • Lake, Missoula, and Ravalli Counties, Montana.

To open your checking account, visit any MFCU branch. You will be asked to provide the following information:

  • Photo ID – a valid driver license, state ID, passport, or permanent residence card. You may be asked to provide more than one photo ID to confirm your identity.
  • Social Security Number – used to identify you and to look up your checking account history.
  • Initial deposit – this amount commonly ranges from $0 to over $500, depending on the type of checking account you wish to open. You may also be charged for the first box of checks when you open your account or the charge for check printing may automatically be withdrawn from your account.
  • Sign a signature card if others are to be able to write checks from this account they too must sign the signature card.

Checking Convenience

Sign up for Paperless Statements

Get your monthly statement via email and save paper. Just download, complete and return the form to switch to paperless checking and/or VISA credit card statements.

Please note: If you already have a Green Draft account, you are automatically enrolled in Paperless Statements. To make sure we have the right email address for you, log in to your Online account.

Sign up for and manage MFCU Online Bill Pay

Save paper, stamps and time. Pay your bills conveniently and promptly without ever having to write a check or lick an envelope. Log in to online banking to sign up.

Mobile App– Our mobile app lets you take your accounts with you. Check your account, transfer funds, make payments, deposit checks and find the closest shared branch or ATM based on your zip code or location if GPS services are enabled. Our mobile app is available for download on the Google Play & iTunes stores.

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Order checks

You can reorder checks in person at any MFCU branch, on the phone by calling 1-800-355-8123 or online here. http://checkreorderexpress.com

Download direct deposit forms

MFCU can accept direct deposit from any employer, so you don’t have to physically deposit your paycheck. Your employer will need your account number and MFCU’s routing number: 292977899. Download the Direct Deposit Form and bring the completed form to any MFCU branch.