Basic Checking Account

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

Interest Checking Account

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

 

Basic Checking

Interest Checking

Monthly Fee

N/A

$8.00 if balance falls below $500

Rate

0%

Tiered Based on Balance

  • $2,000-4,999 - 0.05% APR
  • $5,000-9,999 - 0.06% APR
  • $10,000-24,999 - 0.07% APR
  • $25,000+ - 0.08% APR

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

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.

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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.

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Overdraft Protection

Sometimes the unexpected happens, and UMCU’s Overdraft Protection can help you manage those moments and gain peace of mind. This service will automatically transfer funds from your UMCU savings if there’s not enough funds in your checking account to support an upcoming transaction.

Learn More