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.

Missouri Central Credit Union has a number of options when it is time for you to choose a business checking account.  Our knowledgeable staff can help you determine the best business checking account to suit your specific needs and can help you open a business bank account too. We offer free business checking accounts as well as interest bearing accounts with options specifically focused on small business needs.

Free Business Checking Accounts

  • No monthly service charge
  • No minimum balance required
  • Fee 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
  • 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 the daily balance of $500 is maintained in the account
  • Fee 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
  • Merchant services available (Visa, MasterCard, and Discover) at an additional charge