Checking Accounts

Missouri Central Credit Union Checking Accounts are hard to beat! If this will be your first checking account or you have had an account at a bank for years, we can show you the many reasons a credit union checking account can save you money and help organize your spending.

  • What is a checking account?
  • How to open a checking account?
  • What is a joint checking account?

Free Checking Account

This is Missouri Central Credit Union’s basic checking account. And just like it sounds, it’s a free checking account with no monthly fee or minimum balance required. Our free checking account comes with the following amenities.

  • No monthly service charge
  • No minimum balance requirement
  • No per check fee
  • Access to your account with CU OnLine
  • Access to your account with our mobile app
  • Free mobile deposits
  • Access to your account with your VISA® Debit Card
  • Free purchase alerts when you use your VISA® Debit Card
  • Free  online bill pay
  • Free statements through the mail or paperless e.statements – your choice

Premier Checking Account

Premier Checking is Missouri Central Credit Union’s checking account that is an interest bearing account. Premier Checking offers the following amenities.

  • Access to your account with the VISA® Debit Card
  • Free mobile deposits
  • Access to your account with our mobile app
  • Access to your account with CU OnLine
  • $10 service fee if the balance falls below $500 at any point during the month
  • Interest paid monthly on the average daily balance
  • No per check fee
  • Free Purchase Alerts when you use your VISA® Debit Card - Click Here to Sign Up
  • Access to online bill pay
  • Free statements through mail or paperless e.statements – your choice

Teen Checking Accounts for Whatever They Want

This Missouri Central Credit Union account is a no fee checking account with no minimum requirements, making it the perfect account for teens at home or away at college.  This student checking account comes with the following amenities.

  • No monthly service charge
  • No minimum balance requirement
  • No per check fee
  • Free access to your account with CU OnLine
  • Free access to your account with the mobile app
  • Free access to your account with the VISA® Debit Card
  • Free Purchase Alerts when you use your VISA® Debit Card - Click Here to Sign Up
  • Free EZ Online Bill Pay
  • Free statements through the mail or paperless e.statements – your choice

A parent or guardian is required as a joint owner for teens under 18 years old.

One of the first steps to opening up a new business is to establish your business checking account. You may be tempted to simply use your personal accounts for business purposes, but this is not a good financial or business decision. Having a separate business bank account makes it easier to track business finances. When business transactions are mingled with your normal household finances and expenses, it can be difficult to separate the business transactions from household transactions.  This creates even more work for you, as if you don’t have enough work to do as a business owner! If your business is large enough, it also may be beneficial to open separate accounts for revenue, collected sales tax, estimated income tax, and payroll. This can help keep your finances organized and make tax time a little less stressful.

Missouri Central Credit Union offers banking solutions for all your small business needs. We offer multiple options for you to choose from when you are setting up a small business checking account and have one of the best small business checking accounts in the area. We have knowledgeable staff to help you choose the best business checking account to suit your specific business banking needs and they can also assist you with the process of how to open a business bank account. Missouri Central Credit Union offers a free business checking account along with an interest bearing account.  Both feature options specifically focused on small business needs.

Free Business Checking Accounts

  • Free statements through the mail or paperless e.statements – your choice
  • Free night deposit bag
  • Free consumer bill pay
  • Free online checking viewing
  • Free access to your account online with CU OnLine
  • Free VISA® Debit Card
  • No minimum balance required
  • No monthly service charge
  • Free purchase alerts when you use your VISA® Debit Card - Click Here to Sign Up
  • Overdraft Protection from Business Savings
  • Cash and coin service
  • Merchant services available (Visa, MasterCard, and Discover) at an additional charge

Premier Business Checking Accounts

  • Interest paid monthly on the average daily balance
  • Monthly Service Charge of $10 waived when a daily balance of $500 is maintained in the account
  • Free VISA® Debit Card
  • Free access to your account with CU OnLine
  • Free online checking viewing
  • Free consumer bill pay
  • Free night deposit bag
  • Free statements through the mail or paperless e.statements – your choice
  • Free purchase alerts when you use your VISA® Debit Card - Click Here to Sign Up
  • Overdraft Protection from Business Savings
  • Cash and coin service
  • Merchant services available (Visa, MasterCard, and Discover) at an additional charge
  • Electronic check processing available powered by PACE, at an additional charge

Not sure how to open a business account?   Our experienced staff can help you!  Call or stop in today!

As a member you are also an owner, which means you could earn a Member Bonus Dividend payout, which is based on the services that you use. Ask us today how you can maximize your potential Member Bonus Dividend payout!