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Madison CU Checking

Enjoy more, worry less.
Easy access to your money, your way.

No Fee Checking Icon

Fee Free Checking 

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 icon

Interest Checking

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.

kickstarter checking icon

Kickstarter Checking

A checking account to get started on the right foot. Designed for members age 18 to 23 years old who are just getting started out.

  • No minimum balance.
  • No monthly service charge.
  • Overdraft protection for those that qualify.
  • Fee free debit card.
  • A Visa Secured Credit Card or Visa College Real Rewards Card for those that qualify.
  • Access to online banking and the mobile app
  • Remote check deposit
  • Debit card management controls
teen checking icon

Teen Checking

The kids are earning their own money Checking Account. Available to members age 14 to 17 with a joint owner.

  • No minimum balance.
  • No monthly service charge.
  • Fee free debit card with a $200 daily limit.
  • Access to online banking and the mobile app.
  • Access to Account Jumping to easily manage both accounts.
  • Debit Card controls in mobile app.

Checking Account Services

Online Banking & Mobile App

Banking from your phone. User-friendly mobile app and online banking platform making managing your money easy and quick. Pay bills, transfer money, manage accounts, account jump to other joint accounts, and more.

Download the mobile app here.

Remote Check Deposit

Deposit checks using your phone.  Avoid a trip to the branch by depositing checks up to $2500 in value in the Madison Credit Union mobile app. Take a picture, choose which account you want the money to go, and done!  

Must be 18 or older with an account in good standing to access this service.

Debit Card Management

Add extra security to your 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.

Early Deposit

Get access to your cash sooner. For applicable ACH deposits, like paychecks, get your money up to two days sooner with a few clicks of a button. Fees may apply.

Direct Deposit

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.


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.