The features are free. The convenience is priceless.

  • No monthly service charges, per-check fees or minimum balance requirements
  • Free use of MSGCU ATMs and access to nearly 30,000, free ATMs nationwide
  • Fee-free overdraft protection from an Instant Line of Credit (interest charges may apply)
  • 1/4% APR Member Loyalty Discount§ on Michigan School & Government Credit Union loans

There are many great electronic banking features associated with our Checking Account. MSGCU members get a free ATM/Debit Card issued on the same day of account opening that is compatible with most mobile wallet apps. They have free access to Online Bill Pay and can conduct banking business 24 hours a day with Online Banking, Mobile Banking and Text Banking.

§APR=Annual percentage rate. Member Loyalty Discount requires Automatic Loan Pay from your MSGCU account.

Giving you more starts with taking less.


Fee Average Bank Fee Average
Consumer Cost
Save You Money
Overdraft Transfer Protection $7.83* 3 per year = $23.50 Optional transfer protection helps you avoid overdrafts. 1 free transfer per month.
Overdrafts $33.23** 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 $4.69** 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) $5.84** 2 per year = $11.68 No minimum balance.
No monthly service fee.

Up to $101 annual savings with MSGCU Regular Checking


icon: stopwatch showing 5 minutes Want to learn more about checking accounts? Take this 5-minute interactive lesson.


* 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.
** Source: Bankrate 2018 checking account survey;
† See MSGCU’s Fee Schedule for a complete list of fees;