You upgrade your phone every year...why not your checking account?

Earn up to 4.07% APY*

Members Choice Complete Checking®

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Your Checking Account Deserves an Upgrade Too!

 

With a Members Choice Complete Checking® account, you can earn up to 4.07% APY* on your balance each month, enjoy no monthly fees, and get paid up to two days early. 

 

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Earns Interest

Get paid monthly dividends with no minimum balance or monthly fees.1

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Early Pay

You can get paid up to two days early when you set up direct deposit.3

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No Extra Fees

With no monthly service fee, no minimum balance, and refunded ATM fees, save your money for what you need most.4

Balance Tiers Dividend Rate1 APY*  
$0.01 - $1,999.99 4.00% 4.07% Earn Dividends with1
No minimum balance required.

No monthly maintenance fees.
$2,000 - $9,999.99 1.49% 4.07% - 2.02%
$10,000 - $14,999.99 0.75% 2.02% - 1.59%
$15,000 and higher 0.05% 1.59% - 0.28%
Save Big on Loan Rates

Double Up, Save Big!

 Got a Side Hustle? Save big with our Duo Discount perk! Get a 0.50% rate discount on your Personal Loan and Auto Loan when you've got both a Business Checking and a personal Complete Checking account with us.2

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Make everyday spending count.

With a checking account that earns interest, your daily expenses like coffee runs, groceries, and nights out become way more rewarding. You’ll have extra cash to enjoy more of what you love. Plus, you can easily manage your account on our mobile app—lock your card, get alerts, set spending limits, and pay your friends back right from your phone. 

It's fast and easy to join - get the benefits of being a member!

Join online through our simple membership and account opening application, or in a branch by speaking to a member advocate. Our simple membership process has four easy ways for you to qualify for membership.

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*APY=Annual Percentage Yield.  View complete list of deposit disclosures and Fee Schedule.


1 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. 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. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier.


2 To qualify for the Duo Discount on your personal account, you need to meet these requirements:r'

  1. Must maintain an average monthly balance of $2,500 in the business checking account for the previous 90 days to qualify.
  2. Only members with both the stated business checking account and personal Complete Checking account in good standing qualify
  3. Discounts are for an Unsecured Personal Loan or Personal Auto Loan and can not be combined with any other discounts or offers.
  4. If a member qualifies for both, the discount can apply to both loans.
  5. The only limit is one unsecured loan discount and one auto loan discount per member.
  6. not offered for business lending.

 

3 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.


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.


 

If not a Members Choice member, a $5 deposit is needed to establish membership.  All memberships and credit products are subject to approval including credit approval.

 

About Members Choice Credit Union

At Members Choice, we strive to exceed your expectations. We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. As a full-service financial institution based in Houston, Texas, we have proudly served the West Houston, Katy and Cy-Fair areas for more than 80 years.

 

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