Interested in plenty of perks? Just check with us.

The list of extras is a long one. Earn interest on deposits. Receive discounts on loans. Avoid excessive fees if you overspend your balance. Pay bills and order checks online. In reality, it's not just a checking account. It's a full-service financial tool.

intentionally empty table head Interest-Bearing Transactions Minimum Balance

Regular Checking

Free features and all-the-time convenience highlight this go-to account. See annual savings in fees.
No Unlimited None

Fresh Start Checking

Get a fresh start at building or repairing credit while enjoying convenient online services.
No Unlimited None

Money Market Checking

Combine the convenience of a checking account with the guaranteed returns of a savings account.
Yes, tiered interest based on balance Subject to Regulation D restrictions $2,500

Enjoy these perks

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

* 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;