Montgomery County EFCU
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MC EFCU Checking Account


No Minimum Balance

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.


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