Checking Accounts | Michigan Credit Union Checking

It's the perfect account for Eastern Michigan Eagles and fans. It's all the basics and a lot more.

It's a full-service checking account with an extra advantage. You'll make the most out of every dollar when you earn interest on your deposits.

Debit Cards

Use your card at millions of stores, hotels and restaurants. Withdraw money at thousands of surcharge-free ATMs around Michigan and across the country.

EMUCU CHECKING ACCOUNTS

Effective Date: Thursday, February 27th, 2020

	Basic Checking	Interest Checking
Monthly Fee	N/A	$8.00 if balance falls below $500
Rate	0.00%	Tiered Based on Balance $2,000-4,999 - 0.05% APY $5,000-9,999 - 0.06% APY $10,000-24,999 - 0.07% APY $25,000+ - 0.08% APY
Minimum Balance	N/A	$2,000 to earn interest
Debit Card	Yes - Free	Yes - Free
Overdraft Protection Available	Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay	Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay
Online Banking and Mobile App Access	Yes - Free	Yes - Free
Bill Pay	Yes - Free	Yes - Free
Online Check Images	Yes - Free	Yes - Free
eStatements Available	Yes - Free	Yes - Free
Online Check Recording	Yes - Free	Yes - Free

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APY = Annual Percentage Yield
Fees may reduce the earnings on the account.

Credit Cards

Whether you're looking for a lower interest rate card or one with a cash-back bonus, EMUCU has credit card options that will fit your needs.

Learn More

Courtesy Pay

Courtesy Pay is an additional service provided to members to use in case of an emergency. This can be used when writing a check, authorizing an ACH transaction or using your debit card. If funds are not available for any reason, Courtesy Pay will cover your purchase.

Overdraft Protection

Sometimes the unexpected happens, and EMUCU’s Overdraft Protection can help you manage those moments and gain peace of mind. This service will automatically transfer funds, for a small fee, from your EMUCU savings, Visa or Line of Credit, if there’s not enough funds in your checking account to support a preauthorized transaction.