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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.

INTEREST CHECKING

This checking account is designed for members who maintain larger balances and 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.

FEE FREE CHECKING

This account is designed for members who have a fluctuating balance. There is no minimum balance, no check clearing limit and no monthly service fee. Fee Free Checking does not pay dividends. A debit card is available upon opening the account.

YOUTH CHECKING

Members age 16 and older are eligible for this account with a parent as joint owner. Members may choose either the Interest or Fee Free option. A parent must remain joint on the account until the minor reaches age 18. A free debit card is available upon opening the account.

ATM CARDS/DEBIT CARDS

An ATM Card is available to members who have a basic savings account. Debit Cards are available to members with a checking account. Setup your own PIN at no charge by calling our accounting department.

DIRECT DEPOSIT

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.

CU*TALK TOUCH TONE BANKING

Access your accounts over the phone with our toll-free touch-tone banking line 1-800-860-5704. Use your account number, password and credit union account code (117) to log in. Get account balances, make transfers and review transaction history 24 hours a day, 7 days a week.

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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.