Checking Account
Enjoy a checking account that simplifies your life – no more needless worrying over high fees or service charges. We offer an alternative to traditional banks. Our personal checking account saves you money and provides options for easy use anywhere.
What is Money FCU’s personal checking account?
A personal checking account is a deposit account that allows you access to deposit and withdraw money quickly. A checking account plays an integral role in society, whether for paying your bills, transferring money, or receiving your paycheck by direct deposit. Your checking account is the hub of your bank account activity.
A Money FCU checking account provides options when managing your daily finances. Our credit union offers a no-fee checking account with no monthly maintenance fee or service charges. Additionally, we give you banking options that focus on convenience, like mobile banking, a free debit card, mobile deposit, and more. You’ll love the bank you’re with – when you’re with Money FCU.
How do I save money with a Money FCU free checking account?
We know you are trying to save your money, and we want to help you with every penny we can. These savings begin with our free checking account.
First, opening the checking account is free. You will not incur a charge for opening the account. There is $5 required to open the membership, but the checking account is free. Second, Money Federal Credit Union saves you in fees that other banks impose on their customers. With Money FCU, there is no monthly maintenance fee, no minimum balance or minimum daily balance requirements, and no minimum transaction requirements. Furthermore, we provide overdraft protection at no additional charge. This service saves return check fees if your account is accidentally in overdraft.
We also have over 90,000 surcharge-free ATM locations that offer quick and convenient access to your money without an ATM withdrawal fee. Additionally, with bill pay, your automatic payment options reduce third-party fees charged for payment by check or phone.
Checking account services.
You determine when, where, and how your debit card is used – in real time. Protect yourself against debit card fraud.
- Turn your card on and off in seconds if you misplace it
- Use GPS to control transactions within designated areas
- Limit card use to specific merchants or types of purchases
- Receive real-time notifications and alerts
- Control spending by setting limits to match your budget
Protect your hard-earned money and your account by downloading Card Suite Lite today! Search for and download Card Suite Lite on your Apple and Android device.
Checking your credit and getting your credit score has never been easier! Access My Credit, powered by SavvyMoney, when you log into your mobile or online banking account. Maintaining healthy credit is important to financial wellness, so we’re offering this service FREE to Money FCU members.
In the mobile app: From the hamburger menu (the three lines), click “My Credit Score & Report”
In our full online banking site (logging in from a computer): Look for the credit score box on the Accounts page and click “Show My Score”
Money FCU has over 90,000 surcharge-free ATM locations nationwide through Allpoint. This feature provides easy access to your money and accounts even when traveling. We make it easy to find an eligible ATM near you without ATM fees through our mobile app’s ATM locator.
Your Money FCU accounts can be accessed at over 5,500 credit unions in Central New York and throughout the U.S. Deposits or withdrawals can be completed through a teller at any shared branch location. This is how we’re able to serve members across the United States – through a network of credit unions working together to provide account access to their members.
Your member number and a valid photo ID allows you to make transactions at these locations. Use our ATM and Branch Locator on our website or in the mobile app to find a convenient branch near you!
*You cannot open new accounts at these locations. Access at these branches is for existing accounts only.
Considering that we now bring our phones with us everywhere, having the mobile app allows digital banking access in a flash. Digital banking is how to get access to your account from anywhere. The mobile app is the way of the future. Mobile banking allows you to access your account information and make transactions at any time, day or night. Plus, you have the freedom to bank from anywhere. Download our app for your Apple or Android device.
Protect yourself, and your checking account from return fees. With a Money FCU Overdraft Line of Credit, you’ll have overdraft protection and the peace of mind knowing your account is protected if you’re ever low on funds.
A personal line of credit is a predetermined amount that the loan holder may borrow against at any time as long as they do not exceed the maximum loan amount. An Overdraft Line of Credit has a variable interest rate of 13.25% APR, so your monthly payment will change based on the rate and balance of the loan. You can have as little as $250 and up to $10,000 as your checking account “safety net”.
You will SAVE MONEY by avoiding return fees.
It’s PEACE OF MIND knowing your payments, checks, or debit card purchases are covered when you’re short on funds.
It AUTOMATICALLY kicks in when you need it, without having to do a transfer yourself.
It’s a LOWER INTEREST RATE than most major credit cards, with manageable credit limits as low as $250.
Ask us how to add one to your checking account today!
Do your banking with assurance and peace of mind. We watch your back. Overdraft protection secures your accounts and helps prevent an overdraft fee or return check fees by pulling funds from your savings account if an overdraft occurs. Money FCU moves the money from your savings account without a fee for the transaction.
ONLINE BANKING: Securely access your accounts anytime from anywhere. 24/7 online access allows you to manage your accounts on your hours, not the bank’s. Transfer funds, view your account history and see your account balance 24 hours a day. No more waiting for the banks to open – we do banking on your time.
BILL PAY: No stamps are required. Pay all your bills online directly from your Money FCU checking account with free bill pay. Avoid the task of check writing with a few clicks of the mouse. Bill pay is easy to use and takes only a few minutes to set up.
E-STATEMENTS and E-NOTICES: Electronic statements go directly to your inbox for fast, convenient access. Also, an e-statement is environmentally friendly. We are reducing paper output into the environment by giving you online access to e-statements. Hundreds of paper statements are converted monthly to electronic statements to do our part in conserving our environment and making it easier for you to handle your accounts. E-notices keep you up to date with what’s happening in your account, including loan payments, overdrafts, and returned items.
Money FCU has no fee for opening a checking account, nor do we charge a monthly service fee or maintenance charge. We believe in keeping your money in your pockets!
Your account has no transaction requirements. We don’t make you spend a certain amount or use your card a certain number of times to avoid a fee. There is no fee! With Money FCU, make as few or as many transactions as you feel you need to on a daily basis. We call this the freedom to bank how you choose.
Money Federal Credit Union does not require a minimum balance to remain in the checking account. Further, we don’t charge any fees if you do not maintain a minimum balance. It’s simple. You bank how you want to.
Money FCU does not have fees for writing over a certain amount of checks per month. Write as many checks as you need to.
Mobile banking options to make your life easier.
Mobile banking provides access to your account from anywhere, at any time. Money FCU has a mobile app for quick, convenient banking, including deposits, transfers, loan payments, bill payments, live account alerts, debit card control, and viewing transaction history from your mobile device. Our priority is making financial management easy for you. Join our mobile family and see the difference.
What is the difference between a checking account and a savings account?
Both a checking account and a savings account are deposit accounts for savings. Put simply, the difference between the two is that the savings account is for long-term savings and yields interest, known as dividends, on the funds. In contrast, a personal checking account doesn’t earn any interest and contains temporary savings. The checking account is for short-term holdings and daily transactions, including deposits, withdrawals, bill payments, debit card purchases, and everyday use. The personal checking account holds your funds for day-to-day transactions. It is not an investment opportunity.
Does Money FCU offer other types of checking accounts?
Yes, we have a business checking account for all your business needs. If you are interested in a business account, please click the link to go directly to our Business Account page.
The Credit Union is where I got my start and has always taken good care of me despite moving 10 different times.
You guys are always so friendly when I call, I love calling all of you because you’re always so upbeat and nice!
I started banking with you in 2000, almost 19 years ago. Best bank ever, I moved to CA and you made banking easy when doing electronic banking wasn’t really popular yet.
Everything, anything you guys do with me is done 200%. I KNOW that you’ve got my back. Thank you for this, and for everything you help me with. I truly appreciate it.
I commend your staff; they are always very pleasant and willing to assist my needs. Customer Service is very important to me and the credit union definitely shines in this area.
This is by far the best credit union, you guys are so good, you’re always on top of everything and you make me feel like my account is safe.
I do not say it often enough, but you have great staff! Nothing is ever a problem, they are terrific! Amy just helped me out big time and Debbie is always my #1 at the credit union.
I just wanted you to know that it is so nice to get a real person when I call in instead of an automated machine. I really appreciate it.
I just LOVE all of you there. People ask me why I use a credit union in Syracuse and I tell them you can’t beat the customer service!
Thank you for watching for fraudulent activity so diligently. Not only do you notify me when there is suspicious activity, but you are quick to help recover the money.
I’ve been in Charlotte for 7 seven years and I will not change banks because of this type of customer service.
Thank you MFCU for all the work you do and for really treating your customers like family.
I have to say it again – our credit union is absolutely the best! Hands down, no one else even comes close to the exceptional customer service and knowledge that you receive at Money FCU.
I told the car dealer I am sure that I want use Money for financing. The difference is only $7.00 per month. You have the very best customer service of any financial institution that I have worked with. Your customer service is worth every penny of the $7 per month and then some!
Each representative takes a special interest in any request made, with coordinating efforts by everyone. At a time when I was in transition, MFCU gave attention to what I needed to continue with them, now over 40 years.
I have been a member since 1987 and would NEVER, NEVER, EVER leave Money FCU under ANY circumstances!!
I wanted to let you know how much I love having Money instead of Chase! You guys have all been amazing since I have opened my account and I am so happy that I switched!!
I just love Debbie. She’s my hero!
As we are wrapping details around our third vehicle loan inside of a year or so, I just want to say thank you again. Your customer service is off the charts, and you are a pleasure to deal with.
Thank you to all of you! You girls are so wonderful! I love my credit union.
I thought I would take this opportunity to share with you what phenomenal employees you have. We couldn’t be happier to be blessed enough to have found MONEY FCU, and all that this bank encompasses.
I moved everything out of M & T Bank to you because of the service I receive. I just love you guys!
MONEY Federal Credit Union is people – a great group of people – who leave no doubt that while they are helping me, I am the most important thing going on that day.
I am not sure who is working their magic, but without it my wife and I wouldn’t be able to purchase this house we fell in love with in a neighborhood we fell in love with. I truly appreciate everything Money Federal Credit Union does for my family!
YOU ROCK!!
I have been a member since around 1992 or so and, even though I no longer work at Mutual of New York I have had nothing but excellent service from EVERYONE and I will never stray.
When you walk in the door you are always welcomed with a smile and happy greetings. Nothing is ever hard to do. When I need a loan it’s done and ready for me and I don’t even have to do anything! Just come in and sign!
You guys are the greatest. So professional and up to date with technology!
I have been banking with MFCU since I was 17 years old. I left NY and banked with other companies but I came back to MFCU. I am so happy that I did!! Your staff has always been so helpful. I just figured you would want to know that your staff is great and they deserve an extra day off :)
You guys haven’t changed a bit since I opened my account in 1987! You are all still so nice to deal with and I’m glad the changing times hasn’t hardened you into being unappreciative of your members. I now live in NJ and you are the best Credit Union I have ever had the pleasure of doing business with!
I remember when I joined the CU in 1980 and you were located in a closet upstairs, and you would write the number of members and the percentage rate on a chalk board on the wall.
I just wanted to let you know that your staff has been so helpful since the move out of the building. The staff is always quick and kind. You said that a Credit Union is much like a Bank…I would say that the Credit Union is much better than a bank. I appreciate you guys!!
I just wanted to let you know how awesome you are! I tell anyone who’ll listen about the GREAT customer service I get from the MONEY FCU. With commercial banks becoming less and less friendly and helpful and more and more costly, you guys are the best thing around!
I just went through one of the most painless processes getting a home improvement loan. I couldn’t believe how quick and smoothly everything went. I was quite impressed at the level of service. A special thank you also goes out to Debbie for her efficiency and for being so easy to work with!
I love you guys, one call and it’s done. Love, love, love you all.
I just went through the process of taking out a car loan. If it weren’t for Melissa, I wouldn’t have been able to get things done. I wasn’t sure about what to do for so many things, but Melissa did! She was always there for me, quick, soooooo much help. Lucky for me I was smart enough to join your credit union years ago.
I am so grateful to have such kind and helpful people to work with on my banking needs.
When our office moved I decided to keep my account with you because I don’t mind the 10 minute drive downtown to deal with you guys because you’re always so helpful and friendly.
Ready to open a Money FCU personal checking account?
Great, let’s get you started! Open a personal checking account today. Want to learn more before opening an account? Call (315) 671-4000 or chat with our friendly agents today. We are ready to answer any of your banking questions.
