*Annual Percentage Yield (APY) is accurate as of 12/01/2024. Rates may change at any time without notice, before or after the account is opened. Fees could reduce earnings on the account. Minimum opening balance is $0. Minimum to earn dividends is $0.01. View complete list of deposit disclosures and Fee Schedule.
1 Complete Checking Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. Rewards will be calculated and paid on the last day of each cycle. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle. Complete Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. View complete list of balance tiers.
2 Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.
3 Zelle®: Personal U.S. checking account required to use Zelle®. Transactions between enrolled users typically occur in minutes. MCCU does not charge any fees for sending money using Zelle. However, your mobile carrier's message and data rates may apply as well as other fees related to your account (e.g., Choice Pay Overdraft Protection, Stop Payment, NSF Fees, etc.). Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
4 ATM Fee Rebates: For any Complete Checking account, if you have met your qualifications during the monthly qualification cycle (monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month), we will reimburse you for ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for one qualification cycle. ATM fee rebates will be transferred to your checking account. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.
5 Choice Pay Overdraft Protection: For new personal members will begin after 30 days of membership, and after 60 days of membership for business members. Choice Pay is a service that is provided at Member Choice’s discretion and is subject to approval and may be revoked by MCCU at any time. The Choice Pay limit is $600 (including fees). Member must replenish account and be at a positive balance at least once every 30 days. We will charge you an overdraft fee of $32 each time we pay an overdraft. You may incur multiple fees in one day. Once you reach the $600 limit we will not pay any other transactions if you do not have sufficient funds. View more details on full terms and conditions.
All memberships and credit products are subject to approval including credit approval.
About Members Choice Credit Union
At Members Choice Credit Union, we are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 80 years, we've been dedicated to empowering families across Houston, Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Join us in discovering your version of "the good life".
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