Checking Account and Services

Totally Free Checking

No marketing gimmicks with our "totally free" checking accounts. Write as many checks as you want with no per-check charges or monthly service fees. Our hassle-free checking account will keep your finances safe, and you will stay informed through our modern and convenient online banking, eStatements, mobile banking, remote deposit and more. All this and totally free!

Summary of Checking Account Services

  • Simple, free checking account for anyone

  • No monthly service charge

  • Unlimited check writing

  • No per check charges

  • Free online banking

  • Free online bill pay

  • Free eStatements

  • Free mobile banking

  • Free 24-hour telephone teller

  • Free Visa debit card

  • 24/7 funds access through our partner ATM networks

  • Direct deposit available

  • Remote deposit

  • NCUA insured

Flex Rewards Checking Account

All of the same great benefits of our Totally Free Checking plus more…

Earn 3% APY interest up to a maximum of $10,000 (on average daily balance) by meeting the following requirements:

  • Estatements;

  • Monthly Direct Deposit of $100 or more;

  • 20 Debit Card Transactions monthly;

  • Accounts with loans over 60 days late do NOT qualify.

eStatement Rewards

Every member can take advantage of MSNGFCU free eStatements. They're convenient, much safer than paper, they reduce clutter, and they qualify you for reduced fees on all products!

Direct Deposit Rewards

Sign up for direct deposit of payroll, recurring government, Social Security, or retirement checks and enjoy extra benefits!