Free Checking Accounts
At Members Source, checking should be simple and free — and ours is. No monthly service fees. No minimum balance. Just an honest, full-featured checking account backed by a local team that treats you like family.
Checking
- No minimum balance required ($15 deposit to open)
- Unlimited check writing
- FREE electronic statements, online bill pay, and online banking
- FREE VISA® Debit Card accepted at millions of merchants worldwide
- Interest-bearing account with dividends compounded monthly
- Automatic overdraft transfer and Courtesy Pay options available
- Overdraft OPT-IN for ATM and every day debit card transactions available
Your VISA® Debit Card gives you secure, convenient access to your checking account anywhere — at local shops, online, or through Apple Pay and Samsung Pay.
*Additional information may be required, and certain services may not be available depending on your account type.
Compare Our Checking Account
MSCU Interest Bearing Checking Account vs. the National Average*
| Features | MSCU Account | National Average* |
|---|---|---|
| Earns Interest? | Yes | Yes |
| Monthly Service Fee? | $0 | $15.65 |
| Minimum Balance Required to Avoid Fee | $0 | $10,705 |
| Non-Owned ATM Transaction Fee | 4 Free per month, $1 thereafter | $4.86 |
| Earns Interest? | |
|---|---|
| MSCU Account | Yes |
| National Average* | Yes |
| Monthly Service Fee? | |
| MSCU Account | $0 |
| National Average* | $14.35 |
| Minimum Balance Required to Avoid Fee | |
| MSCU Account | $0 |
| National Average* | $6,319.17 |
| Non-Owned ATM Transaction Fee | |
| MSCU Account | 4 Free per month, $1 thereafter |
| National Average* | $1.66 |
*Interest bearing checking accounts. Source 2025 Bankrate.com checking account and ATM fee study.
Visa® Debit Card
A VISA® Debit Card offers a secure and convenient way to access your checking account.
- No annual fee
- Accepted at millions of merchants worldwide
- No need to carry checks or cash
- Access cash through local, national and international ATM networks
- FREE transactions at Members Source Credit Union ATMs
- Four free ATM transactions per month at non-MSCU ATMs
- Avoid surcharges by using Alliance One or CUHERE and MoneyPass ATM locations
- Get cash back from Point of Sale purchases by using your PIN at participating merchants
- Protects you from unauthorized purchases
A VISA® Debit Card offers a secure and convenient way to access your checking account.
Alliance One Surcharge Free ATMs
CULIANCE Surcharge Free ATMs
Early Deposit Feature
Get your pending deposit sooner. Get your money sooner with our NEW Early Deposit Feature!*
Ready to become a member?
Join today and start taking advantage of everything Members Source has to offer.
