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Checking Products

Click Here To See Our Savings & Checking Brochure

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Regular Checking Account

Mountain Credit Union’s Regular Checking account is available to members who cannot meet the requirements of the Rewards Checking account. The interest rate paid on the Regular Checking account is higher than the non-qualifying rate for the Rewards Checking account. A Visa Check Card is available with this account.

Members can avoid a fee on this account if:


Business Checking Account

Our Business Checking Account is for small businesses that do not need commercial services such as large sums of cash delivery. This account is intended for businesses with deposits of less than 200 checks per month and less than 50 deposits per month. Interest will only be paid on balances over $1,500 and a monthly fee is charged. A Visa Check Card is available with this account.


Non-Profit Checking Account

A Non-Profit Checking Account is available to churches, clubs, lodges, associations, etc. This account is not charged a monthly fee. A Visa Check Card is available with this account.

Order your Checks Online. Reordering your checks from Mountain CU can't get any easier!  You can order your checks directly through our Online Check Ordering! Click here to order checks!


Courtesy Pay

Mountain Credit Union’s Courtesy Pay service adds a measure of protection to your checking account, so you can avoid the hassle and expense of a declined transaction due to insufficient funds. This service pays checks, electronic payments and transfers (ACH items) that would not have cleared otherwise due to insufficient funds, up to an approved limit, for one low fee per covered overdraft transaction. That means, instead of returning a check because of insufficient funds, Mountain CU may pay your check.

Additionally, you may elect to extend Courtesy Pay coverage for point-of-sale and signature-based VISA® Debit Card transactions. However Courtesy Pay does not cover ATM transactions. If you do not have sufficient funds in your account for ATM transactions, they will be declined.

Courtesy Pay is not a loan. It is a service provided by Mountain CU to help you manage your account. There is no fee to enroll in Courtesy Pay; however, when Courtesy Pay is used, there will be a fee of $25.00 per covered item. The full amount of the overdraft balance plus related fees will be due immediately but in no event later than 15 days from the date of the occurrence.

Requirements

  • The member must be in good standing
  • Have a checking account that has been open for at least 6 months

Remote Deposit

Mobile Remote Deposit Capture [mRDC] is a free service on your Mountain Credit Union (MCU) mobile banking app that allows you to electronically transmit a check using an iPod Touch, iPhone, iPad, Android phone or Android tablet.  To use mRDC, you must be signed up for MCU Online and have the MCU mobile app installed on your mobile devide.  If you already use the MCU mobile app, make sure you have the most recent update installed.   Click Here To See Brochure


Click Here To Access Mountain Credit Union's Fee Schedule Or Contact Your Member Service Representative To Obtain A Copy.

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NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
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