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Checking Accounts

MCU offers multiple checking accounts to meet your financial needs including, fee-free checking, interest checking, and youth checking accounts.

Fee Free Checking 

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A no hassle, fee free checking account. There is no minimum balance, no check clearing limit and no monthly service fee. Fee Free Checking does not pay dividends but it’s free, and besides, that’s what savings accounts are for.
A debit card is available upon opening the account.

Interest Checking

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A checking account that pays dividends. Designed for members who maintain larger balances, this checking account pays dividends with a balance of $500 or greater. A minimum of $500 is required to avoid a $5 monthly service fee. Clear up to 25 checks per month free.

Youth Checking

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A checking account for our younger members. No minimum balance, no monthly service charge and a fee free debit card.* Choose from the Fee Free Checking or Interest Checking accounts. Members age 16 and older are eligible for this account with a parent as joint owner. A parent must remain joint on the account until the minor reaches age 18. 

* $10 annual fee waived while in this club. Standard usage fees still apply.
** 5% APY Dividend Rate Good For 1 Year Only, 5% APY Dividend Rate Good 1 Time Per Member Only, Rates Subject To Change.

Checking Account Services

ATM/Debit Card

Keep you cash more accessible with an ATM or Debit Card. ATM cards are available to members who have a basic savings account. Debit cards are available to members with any checking account.

Add extra security with debit card management. With the MCU mobile app you can easily manage your debit card, temporarily turn it on/off, set up debit card activity alerts and more.  Don’t have the app yet? Get it here. 

You can also add location specific alerts and additional controls by registering here.

Direct Deposit

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Get paid automatically.  Depending on your employer, you may be eligible to have all or part of your paycheck automatically deposited to your MCU account. You can also distribute the amount among other accounts at MCU, including loan payments.


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Easy online check reordering.  When you are running low on checks you can easily reorder online. Choose one of our three check book vendors to find the design perfect for you.

Checks for Less
Order Personal Checks Online

Harland Clarke

NOTICE: To reduce the risk of fraudulent charges to your account, please advise Madison Credit Union if you intend to use your MCU debit card outside of Wisconsin. Debit card transactions in states other than Wisconsin should be made using your PIN number rather than as a signature transaction. Please contact us at 608-266-4750 if you have any questions.