How to earn your bonuses.

Open a Regular or Fresh Start Checking account – online or in-branch – with an initial deposit of $25 or more between June 1 and August 31. Then earn $100 for completing each of these steps:

  • Earn $100: Set up your direct deposit of $100+ to your new checking within 60 days of account opening.
  • Earn $100: Complete 10 debit card transactions of $5+ within 60 days of account opening.

MSGCU makes checking easy to use and easy to love.

We know opening a new checking account can seem like a big step, so we’ve made switching to an MSGCU Checking Account hassle-free and worth your while. Our checklist can help you through the process.

Our Regular Checking comes with $100 of annual savings because there are no monthly or service fees, plus overdraft protection** and all of these convenient benefits:

Giving you more starts with taking less.

Fee Average Bank Fee Average
Consumer Cost
Save You Money
Overdraft Transfer Protection $7.831 3 per year = $23.50 Optional transfer protection helps you avoid overdrafts. 1 free transfer per month.
Overdrafts $33.232 3 per year = $99.69
($9.69 savings)
Optional Courtesy Pay available for $30 per item. 3 per year = $90.00
Out-of-Network ATM $4.692 12 per year = $56.28 Access to nearly 30,000 free ATMs. 4 free out-of-network ATM transactions per month.
Service Fee (Low Balance) $5.842 2 per year = $11.68 No minimum balance.
No monthly service fee.

$200 bonus + $101 annual savings = $301 first year value with MSGCU Regular Checking

Ready to get started?

Open an Account Find a branch

* Available for regular and fresh start checking accounts opened before 8/31/2021; limited to one incentive per member. An incentive of up to $200 will be paid when the member completes the following: qualify for and open a checking account and ATM/debit card; make an initial deposit of $25 or more in the account; within 60 days, enroll in and receive one direct deposit (minimum $100) to the new account (earn $100), and/or conduct 10 PIN or signature debit card transactions (Does not include ATM) of $5 or more (earn $100). Members must not currently have a checking account or have closed a regular checking account as of 4/1/2021 or later. Bonus will be paid 61 days after account opening date.
** Account must meet Credit Union criteria for Courtesy Pay service. You must opt-in separately to authorize ATM and everyday debit transactions. Whether overdrafts will be paid is discretionary, and the Credit Union reserves the right to not pay if the account is not in good standing. A fee of $30 may be charged for each check, ATM or debit card transaction or debit by other electronic means when a Member has non-sufficient in the account. Negative balances must be paid within 16 days.
1 Calculated average using available bank fee schedules including JPMorgan Chase & Co., Bank of America Corp., Wells Fargo & Co., Citigroup Inc., U.S. Bancorp, and PNC Financial Services Group Inc.
2 Source: Bankrate 2018 checking account survey;
† See MSGCU’s Fee Schedule for a complete list of fees;

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