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FREE CHECKING
Simple Checking. No Monthly Fee.
Enjoy convenient everyday banking with no monthly service charge, no minimum balance requirement, and the tools you need to manage your money with confidence.
Everyday Banking, Without the Monthly Fee
Our Free Checking (Share Draft) account is designed to make everyday banking simple. With no monthly service charge and no minimum balance requirement, you can access your money when you need it while enjoying convenient digital banking, debit card access, and other member-friendly benefits.
Whether you're paying bills, making purchases, or managing your finances on the go, your checking account gives you the flexibility you need.
No Minimum Balance
Keep your money working for you without maintaining a minimum balance.
Free Check Writing
Your first 40 checks are free, making everyday check writing more affordable.
Free Overdraft Protection
Choose from available overdraft protection options, including transfers from savings or a line of credit.
Free VISA Debit Card
Make everyday purchases conveniently with your MHFCU VISA debit card.
Online & Mobile Banking
Manage your account, check balances, transfer funds, and more with FOCUS and MHFCU Mobile Banking.
uChoose Rewards
Earn rewards when you use your MHFCU debit card with uChoose Rewards.
See How We Compare
Shopping around for a checking account. Compare MHFCU's Free Checking account with other banking options and see how our features and fees stack up.
Compare Checking Accounts📌 More Ways to Make Banking Easier
Your Free Checking account comes with additional benefits designed to give you more flexibility and convenience.
No monthly service charge
No minimum balance requirement
Unlimited check writing
First 40 checks free
Free overdraft protection options
Free VISA debit card
FOCUS Online Banking
Free access to Bill Pay
MHFCU Mobile Banking
Access24 telephone banking
uChoose Rewards eligibility
💡 Ready to Add Free Checking?
Already an MHFCU member? Add the convenience of a Free Checking account to your membership. Call us or visit a branch to get started. If your account information is up to date, we may be able to open your checking account by phone.
ℹ️ Good to know
Some account changes or updates, including certain beneficiary updates, may require an in-ranch visit.
Frequently Asked Questions
Ready for Checking That Works for You?
Open the door to convenient, affordable checking with MHFCU. Our team can help you get started and answer any questions.
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