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We totally get that checking is not a one-size-fits-all service.

For that reason, MMFCU offers three types of checking accounts delivering cutting-edge technology and highly personalized service. Our low-cost checking is complimented by free 24-hour account access, relationship discounts/bonuses plus many more benefits and features.


Simply Free Checking

No monthly service charges, unlimited check writing, unlimited VISA Debit Card transactions, and no minimum balance required for Simply Free Checking.

  • Stop Payment of Check - $20.00
  • Overdraft Privileges - $25.00 per item
  • Auto-transfer in $50 increments from savings to cover overdraft - $1.00 

Regular Checking

There is no minimum balance required and if less than ten checks clear (VISA Debit Card transactions are not counted as cleared checks) your account in a given month, there is no service charge for Regular Checking. When more than ten checks clear your checking account in a given month, a $2.00 service charge will be assessed. If greater than fifty checks clear during the month, a $7.00 service charge will be assessed.

  • Stop Payment of Check - $20.00
  • Overdraft Privileges - $25.00 per item

Money Market Checking

This investment checking account gives you options! Our Money Market Checking account improves your cash flow by allowing unlimited transactions by personal check, debit card, ATM, and more. It's everything your MMFCU checking is, with a significant return on your deposit. A minimum balance of $1,500 is required to earn dividends. The more you invest, the more you earn! Tier Categories: $1,500 - $9,999 | $10,000 - $24,999 | $25,000 - $49,999 | $50,000+

  • Stop Payment of Check - $20.00
  • Overdraft Privileges - $25.00 per item
  • Auto-transfer in $50.00 increments from savings to cover overdraft - $1.00 

GOLD Club Checking

Exclusively for members aged 55 or better, take advantage of this checking program that features unlimited check writing, no monthly service charges, and requires no minimum balance. You’ll receive one free box of basic style checks each year, as well as opportunities for discounted travel and free educational workshops. Check out our Gold Club Newsletter, Eureka, to find out more.


Teen Club Checking

We’ve created this program just for our members aged 13-18 with parent/guardian co-signature. Open your own checking account and gain financial freedom without the hassle of monthly service charges or monthly balance requirements. Your FREE Checking account also provides one free box of basic style or school logo checks every year (that’s up to 175 checks), ATM access, a VISA Debit Card, (you can choose a FREE Photo Debit Card in place of FREE checks) and the ability to check your accounts and make transfers on your home computer. (A parent/guardian co-signer will be needed for teens under 18) 

*If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions, call your local branch or complete the form and return to a branch or mail to: MMFCU, PO BOX 2907, Baxter, MN 56425

Overdraft Protection Options

Mistakes happen! When you make an honest mistake in your checkbook or an unforeseen circumstance occurs when you least expect it, MMFCU offers overdraft protection options on your checking account. Click for more information on your options and additional details on Overdraft Privilege

Features & Benefits of MMFCU Checking

Free VISA Debit Card

Are checks too 20th century for you? No problem! Stay on the cutting edge with your VISA Debit Card. This card looks like a credit card, but acts like a checkbook. Get the added safety of one card for all of your ATM and purchase transactions. MMFCU's VISA Debit Card has no annual fee and no monthly service charges. How 21st century!

To register your debit card, please click Verified by VISA. 

Photo Debit Card

Love your dog so much that you want his picture on your debit card? Get creative with a personalized Photo Debit Card. Through the Design Your Own Card (DYOC) program, an easy online process lets you upload a photo of your choice for the same price as a replacement card*. Simply log in to PC Teller to get started. Pretty fancy, Fido! 

24-hour Phone Teller

(218) 829-1455 or nationwide toll free at 1-800-325-7881

Night or day, home or away; access your accounts by touchtone phone with this free service. Balance inquiries, cleared check information, transfers, loan payments and more can be done from virtually anywhere, 24-hours a day.


PC Teller Online Account Access

Access your accounts online 24-hours a day. Transfer funds, print statements, make loan payments, access tax information and much more. This free service requires no software to buy, and no setup fees to pay. 


No-Surcharge ATM Service

Use your MMFCU Debit or ATM Card on MMFCU owned ATMs and avoid service fees! Plus, MMFCU is proud to offer member access to literally HUNDREDS of machines throughout central Minnesota, and over 15,000 units across the country! 

Visit our ATM locator to find one near you or simply text a street address or zip code or "City State" to 692667 (my coop) to find the closest location.

MMFCU's ATM program includes unlimited, free transactions whenever you use the Co-Op Network. The maximum automated teller machine withdrawal we allow is $200.00 per day. This limitation applies to MMFCU checking in combination with share account(s).

Free Direct Deposit

The safest, easiest way to have your money deposited to your checking (or savings) account, Direct Deposit is yet another free credit union service. Instead of taking time to cash or deposit your paycheck yourself, funds are automatically deposited into your account on an agreed-upon date. Ask your employer (or other payor, including state and federal governments) if they offer direct deposit. If they do, the rest is easy, not to mention free at your credit union!


So, here’s the fine print (but in regular-sized print)… All MMFCU checking accounts require an initial deposit of $25.00. With each checking account, you are required to open a share savings account (minimum balance $5.00) which makes you part owner of our credit union. Refer to your Truth-In-Savings Disclosure for a complete listing of checking account requirements and fees. The 'Fee Schedule' section of this site also offers a listing of fees associated to MMFCU Checking. 

Overdraft protection is activated when your checking account doesn't have enough funds to cover your checks and other transactions made using your checking account number, bill payments, ATM transactions, and/or everyday debit card transactions. Your MMFCU account must be maintained in good standing which includes at least: brining your account to a positive balance with in 35 days, not being in default on any loan or obligations to MMFCU and not being subject to legal or administrative order or levy. 

Transfers of $100.00 increments are made automatically to your account - Subject to credit approval. No cost or interest paid unless you use it. Pay off the balance in full or with regular monthly payments. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

*There is a $5 fee for new, replacement, or photo changes on photo debit cards.

Not bad, huh? We encourage you to compare us to our competition!