Montgomery County EFCU
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MC EFCU Checking Account


No Minimum Balance

From now until April 30, 2016, members who do not currently have an MC EFCU checking account can earn $100 to open a new checking account***

MC EFCU's checking account is different from accounts you will find elsewhere. They have the same convenient features, but there are some key things they don’t have and you don't want: minimum balance requirements, monthly fees* or per check fees**.
To apply for a new checking account click on the "Apply" button on the right and complete the form. If you are already a member, click on the "Open Additional Account" button to add a new checking account.

MC EFCU Checking Account holders receive the following free services:

  • Online and telephone account access
  • Mobile banking
  • Text banking
  • Remote deposit capture
  • Online bill pay
  • EMV enabled Visa debit card
  • Access to the 80,000 surcharge free ATM locations in the CU 24 network, including all 7-Elevens.
  • Direct deposit and payroll deduction

Overdraft Protection

Overdraft protection is also available. For details, see the ODT Opt-In section of our web site. Refer to the fee schedule for current fees.

* Text message and/or data plan charges may apply.
**There are certain fees that apply on an individual basis, such as the "Overdraft Fee." See the "Fee Schedule" for details on the various fees MCEFCU charges.
***Members receive $100 if a new checking account with direct deposit is opened between February 1, 2016 and April 30, 2016. This offer is only valid when you open a new MC EFCU checking account with direct deposit or other payroll or recurring deposit. Direct deposit must be $500 minimum per month and established within 60 days of the new account being opened. Account must remain open for a minimum of 6 months. Otherwise, bonus must be returned to Credit Union. Restrictions may apply. Limited time offer, cannot be combined with any other offer and is subject to change at any time. Limit 1 (one) bonus per new checking account per household opened through 4/30/16. $100 Bonus will be deposited into checking account within 8 weeks after promotional period ends. Cash bonus will be reported to the IRS as interest income, as required by IRS.


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