Finally, a Checking Account That Gets It.

Checking account that get's it

By Jennifer Tucker
November 15, 2023 | 4 Min. Read

How to Choose a Checking Account

Imagine a checking account that’s easy, and convenient. It has features that help you better manage your money, it helps you out when you’re in a pinch, and it opens access to future loans. Sound too good to be true? At Marine Credit Union, it’s reality.

With all the options available from banks and credit unions today, it can be tricky to navigate bank account requirements and find the checking account that’s right for you. All accounts are not created equal, and some come with promises that are never fulfilled.

We get it, and that’s why we created My Relationship Checking with all the features of the best checking accounts in mind.

How to Choose a Checking Account for Real Life

You need a checking account for real life, with real features that give you ownership and help you take control of your finances. My Relationship Checking was built to be your account for life, so it comes with these features and more.

A checking account for real life has the following features and benefits:

No monthly fee and no minimum balance

In search of a checking account with no fees? We hear you. You shouldn’t have to pay a fee or meet lofty requirements for a bank account. My Relationship Checking comes with no monthly service or maintenance fees and requires no minimum balance.

Free overdraft protection

Accidents happen, and you should have options to help you avoid fees if you overdraw your account. At MCU, overdraft protection allows an automatic transfer from another account if the balance in your checking account goes negative.

No ATM fees

We’ve all been there. You use your debit card to make a withdrawal from an ATM and see a pesky extra charge for accessing your money. You’ll never get an ATM fee from MCU, even if you use an out-of-network ATM. (Note that transaction fees from non-MCU ATM operators may apply.)

Online and mobile banking

You’re busy, so the Marine Credit Union Mobile App and Online Banking give you access to tools that make daily banking easy. In just a couple of clicks, you can check your balance, transfer funds, and pay bills. You can even lock and unlock your debit card and get your FICO credit score for free!

Beyond Basic Benefits

When it comes to a basic checking account, freedom from fees, overdraft protection, and ATM and on-the-go access are just the start. My Relationship Checking goes beyond those basic benefits with features that help you make the most of your money.

My Relationship Checking gives you real-life control with My Payday and My Grace Zone.

My Payday

When you’re working with a budget, waiting two weeks between paychecks can be a long time. When you bank with MCU, you build trust and accountability. In return, we help you get money from your paycheck up to two days before payday. Learn more about My Payday.

My Grace Zone

It’s not easy keeping track of every dollar in and every dollar out. We don’t want you to wonder whether your next transaction will be declined, so we help you breathe a little easier with access to a $50 grace zone that lets you go a bit under your balance without getting an overdraft fee. Learn more about My Grace Zone.

The power of a good relationship doesn’t end here. We’re in your corner for life, and that means we lend support wherever your financial journey takes you. My Relationship Checking customers get a discounted rate on a future loan so that you can fulfill your dream of buying a car or owning a home.

My Marine Checking

Don’t have much banking experience? If you’re just starting out, My Marine Checking might be the right account for you. My Marine Checking gives you the chance to build good money habits that boost your financial confidence and independence.

My Marine Checking features include:

  • Free overdraft protection.
  • No ATM fees (transaction fees from non-MCU ATM operators may apply).
  • No monthly fee and no minimum balance.
  • Debit card access.
  • Online and mobile banking.
  • Direct deposit.

When you open a My Marine Checking account, you take the first step towards financial freedom. And because we stick with you at every point on your journey, it’s the last first step you’ll ever have to take.

Can I open an account online?

If you’re wondering if you can open a checking account online, the answer is “Yes!” We’ve streamlined the account opening process to make it quick and easy to get started with your new checking account.

Opening your My Relationship Checking account or My Marine Checking account is as easy as clicking Get Started on our website. Online account opening is similar to opening an account in person, and you can learn about the information you need to provide here. Your application will determine your eligibility for an account. Once you’re approved, you’ll get your check routing number and account number right away, and your debit card will arrive in the mail shortly after your initial deposit.

A Checking Account that Gets It

No matter where your journey takes you, Marine Credit Union is in your corner for life. Find everything you need to know about My Relationship Checking and My Marine Checking, and open your account today.

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