Free Choice Checking

Choice Checking allows you the “choice” to earn 4% APY on your regular checking account balance up to $4,000! (see requirements below).

Choice Checking is Free and offers Free Debit Cards!

Muskegon Co-op Federal Credit Union offers the most convenient and affordable checking account around. Plus, you have the “choice” to earn 4% APY on your balance up to $4000 by simply meeting the requirements listed below. With an initial deposit of as little as $5.00 you can open a Free Choice Checking Account. Start paying less for the convenience of checking today.

Requirements to receive 4% APY on your Choice Checking account:

  • Enroll in E-statements
  • Log in to It’s Me 247 online banking 5 (or more) times per month
  • Post and clear 8 (or more) signature-based debit card transactions to your Choice Checking per month
  • Receive 1 direct deposit into your Choice Checking account per month or 1 ACH payment from CU*EasyPay

Benefits include:

  • No monthly service fees
  • No minimum balance required
  • No per check fees
  • Unlimited check writing
  • Courtesy Pay* available for qualified members in good standing.
  • Convenient access with Free ATM and Debit Cards.
  • Overdraft protection available
  • Plus, Platinum Rewards members receive free checks (3 boxes per year)

*$25 charge per item when you have insufficient funds to cover a check and we pay the check as a courtesy allowing you time to make a deposit.

Switch your checking account to Muskegon Co-op Federal Credit Union. It’s easy with our Switch Kit.

HSA Accounts

We offer Health Savings Accounts as a savings account or a checking account. Both accounts earn a dividend. The HSA checking account allows you to have a debit card tied to the account, so you can pay medical expenses using your debit card.

For more information on our HSA Accounts click here.

Debit Cards – Free debit card with your checking account.

Checking Resources

Switch Kit

Free Checkbook Balancing Spreadsheet

(Requires Microsoft Excel)