Checking Accounts

Members Trust offers two checking account options to meet your financial needs. Whether you write checks frequently or only occasionally, we have the checking account for you. Our variety of features and services makes your checking account a smart and flexible financial tool. Click here for an application to set up a new checking account.




click switch

Finally, There’s a Simple Way to Switch Your Checking Account.

It’s Your Money, Switching Should Be Easy.

Now you can easily move recurring payments and direct deposits to a new account - all with the click of a mouse. With ClickSWITCH™ account information is transferred instantly. It’s fully automated, convenient and takes as little as 10 minutes.

FREE Checking - Offers the following benefits:

  • No monthly service fee
  • No minimum balance requirement
  • Unlimited check writing
  • Overdraft protection from savings account
  • Free online, real-time banking
  • Free online bill payment
  • eStatements
  • Free Visa® DEBIT card
  • 24/7 access telephone access to accounts
  • Free Direct Deposit or Payroll deduction accepted from any employer
  • Courtesy Pay* available after 90 days up to $500.00

* Available to members in "good" standing after having a Checking/Share Draft account opened for 90 days. This allows MTFCU to pay an item presented against your checking/share draft account even if it causes the account to become overdrawn up to $500.00. There is a fee charged for each item cleared regardless of the amount of the transaction. See the Rate and Fee Schedule for current rates.

Choice Checking - For a low monthly fee you get the benefits of our Prime Checking plus:

  • Free personalized checks
  • Bonus travel program
  • $10,000 accidental death & dismemberment insurance
  • $25,000 common carrier coverage
  • Credit card protection

Get a second chance at checking with our TRUST and Alternative accounts:

If you have unpaid balances reported to Chex Systems or credit problems in the past, we may be able to help. We have options for most everyone – even if you have been turned down before for a checking account. You can get a second chance at Members Trust FCU with our TRUST and Alternative checking accounts.

Please contact our Member Service Department at 800-769-8934 to determine if you are eligible for one of our second chance checking products.