Secure Checking

Our new Secure Checking has many great benefits!

Financial Features

5% APY up to $5,000*

  • Debit Card
  • No Minimum balance
  • Unlimited Check Writing
  • Paper or Electronic Statement
*Account Terms and Conditions Apply
Additional Benefits
  • Identity Theft Protection & Monitoring
  • ID Theft Expense Reimbursement
  • Identity Theft Resolution Services
  • Access to Your Credit Report and Credit Score
  • Cell Phone Protection
  • Accidental Death and Dismemberment Insurance
  • Debit Advantage (Buyer’s Protection & Extended Warranty)
  • Credit and Debit card registration to notify on your behalf if cards are lost or stolen
  • Travel and Leisure Discounts
  • Shopping Rewards (Cash Back)
  • Health Discount Savings (Prescriptions, Vision, Dental)
To Access These Benefits Login to
All of these benefits for only $5 per month

Receive 5% APY on your Checking account

Muskegon Co-op FCU offers 5% APY on your Secure checking account balance up to $5,000! (see requirements below).

Requirements to receive 5% APY on your Checking account:

  • Enroll in E-statements
  • Log in to It’s Me 247 online banking 1 (or more) times per month
  • Post and clear 12 (or more) signature-based debit card transactions to your Checking per month
  • Receive 1 direct deposit into your Checking account per month or 1 ACH payment from Online Bill Pay

*$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.

Basic Checking

We also offer a basic checking account with no monthly fee for those that don’t want the added benefits.  This account offers free e-statements.  Paper statements are available for a small fee (see our service charge schedule for details).

Switch your account today!

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

To Order Checks

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)