My Relationship Checking can be your account for life. You get better access to your money without being charged for it, the ability to access more if you’re ever in a pinch and a discount on a future loan with:
Two weeks can be a long time to wait. Get money from your paycheck up to two days before payday. Learn more about My Payday.
Breathe easier with access to a $50 grace zone that lets you go a little under your account balance without getting an overdraft fee. Learn more about My Grace Zone.
Link your MCU checking and savings accounts and get free transfers to protect against overdraft fees.
Get a discounted rate on a future loan when you tie direct deposit to your checking account.
There’s no fee for having an account and no minimum balance requirements.
Never get an ATM fee from MCU, even if you use an out-of-network ATM.*
Get instant access to your funds with a debit card you can use at stores, for online purchases, and to make free withdrawals from any ATM.
Manage your finances from the comfort of your couch or on the go with online banking and the Marine mobile app.
Your payroll, social security, and other payments can go directly into your checking account, saving you a trip to the branch.
*Transaction fees from non-MCU ATM operators may apply.
Becoming a member of MCU is easy. There are no hoops to jump through and no tricky terms and conditions. The only eligibility requirement for membership is a par value of $5 in your savings account. Par value means “stated face value” and is similar to a minimum balance.
Yes, you can open an account with Marine Credit Union online. Online account opening is quick and easy with just 3 simple steps:
Opening a checking account with Marine Credit Union is easy. All you need to become a member is a minimum balance of $5.
You must fund your account before you receive your debit card. After you make your first deposit to fund your checking account, you may need to wait 7-10 days for your new debit card to arrive. You can activate your debit card and begin using it as soon as you receive it.
You can easily set up direct deposit into your new Marine Credit Union checking account. It’s simple!
From there, MCU does the work to make sure your account is connected with your employer and service providers.
We know accidents happen. Marine has a few lines of defense in case you overdraft your checking account:
Note: The amount MCU covers is in accordance with your overdraft limits, which are based on deposit and repayment history and can fluctuate along with changes to your account or status. An overdraft can be a check or ACH that takes your account negative if you are not opted into Reg E, or it can be a check, ACH, or debit card charge that takes your account negative if you ARE opted into Reg E. The amount available to you can be found in Digital Banking under Account Details.
Please note that fees and charges are subject to change. Check out our Fee Schedule.
No matter where your journey takes you, we’re in your corner for life.
At Marine Credit Union, we want to be the go-to for your money needs. We’ll help you out until payday. We’ll cover you when you’re in a pinch. We’ll give you a loan when you need it.
Opening a My Relationship Checking account is quick and easy. Click the link below, and you could have a new account in just 5 minutes!
Check out our in-depth article Best Checking Accounts: What You Need to Know.
Opening a checking account is just one step towards taking control of your financial future. Once you’ve opened your account, Marine Credit Union can help you gain real financial freedom with free online budgeting and financial planning tools.
Creating a solid monthly spending plan can help you monitor and stay on track with your financial goals. It helps you establish your budget, keep up with your payments, and even reduce your expenses and increase your rainy day (or leak-in-the-roof) fund. Once you see where you’re spending your money, it becomes easier to look at reducing spending in certain categories.
Marine Credit Union offers free budgeting and financial planning tools. Explore our online calculators to get a handle on your spending habits and more.
Stay on top of your financial progress anytime, anywhere, with mobile banking. The Marine Credit Union Mobile App helps you manage your checking account on the go or from the comfort of your couch.
It’s convenient. Log in and take care of all your banking with just a few clicks.
It saves you time. Set up recurring payments or pay bills with the tap of a button.
It’s secure. Our top-notch security and encryption maintain the integrity of your accounts and transactions.
I love that Marine Credit Union remembers my name when I visit my local branch!
Every time I have an issue, question, or concern, a member is right there to help me. Thank you MCU!
All my interactions with MCU have been courteous, polite, and professional. Thank you!
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