Basic Checking Account | Michigan Credit Union Checking

Free services help you accomplish more.

EMUCU's Basic Checking account is easy to maintain, has no monthly maintenance fee and offers free access to convenient online banking tools and a mobile banking app.

No minimum balance
No monthly maintenance fee
Free access to Online Banking tools
Free mobile app allows you to manage your account with your smartphone
Free EMV Debit Card with exclusive Block E designs
Free eStatements help you keep close tabs on account activity
Overdraft protection helps you avoid high overdraft fees
Free online check images

CREDIT CARDS

Whether you're looking for a lower interest rate card or one with a cash-back bonus, EMUCU has credit card options that will fit your needs.

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Courtesy Pay

Courtesy pay is an additional service provided to members to use in case of an emergency. This can be used when writing a check, authorizing an ACH transaction or using your debit card. If funds are not available for any reason, Courtesy Pay will cover your purchase.

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Overdraft Protection

Sometimes the unexpected happens, and UMCU’s Overdraft Protection can help you manage those moments and gain peace of mind. This service will automatically transfer funds from your UMCU savings if there’s not enough funds in your checking account to support an upcoming transaction.