Checking Accounts

Totally Free Checking

How simple is our Totally Free Checking? Very Simple! Our checking account is just that Totally Free. See the chart below to get more details on this account.

Minimum Balance No
Monthly Fee No
Per Check Fee No
Online Bill Pay Yes, and its FREE
ATM No Fee if used in Alliance One Network
Debit Card Yes, and its FREE
E-Statements Available
Direct Deposit Available

For more information contact us.

Overdraft Protection

Meadowland Credit Union has several ways to help you avoid overdraft fees that can be charged if you don't have enough money in your checking account. We here at MCU are just looking out for the best interest of our members so we can save you money where we can.

You can choose the best overdraft option:

  1. Transfer from Savings
    If there is money available in your savings account we will transfer the funds needed to your checking account. This is a wonderful option, but it does require you make sure you have money in your savings account for emergencies and a transfer fee is charged each time.
  2. Kwik Cash Loan
    You may apply for a Kwik Cash Loan (Line of Credit) that is linked to your checking account. If you do not have money in your checking account but you have available credit on your Kwik Cash, we will transfer the money to your checking account if the account is overdrawn. To qualify for this option members would need to complete a loan application (link to loan app) and meet MCU's credit standards. There is no fee for the transfer but you will have to pay interest on the loan until it is paid in full.
  3. Opt-in
    A new federal regulation requires you to sign an Opt-in form to clear everyday debit and ATM transactions. A fee for coverage is charged each time you use it.

How to Opt-in?

Stop in our location to sign the Opt-in form or click to download, fill it out and mail it to us or drop it off.

Debit Card

With your debit card you have access to your checking account 24 hours a day, 7 days a week. When you use it, the purchase amounts are taken out of your checking account. You can use your card anywhere Mastercard is accepted.

After you receive your Debit Card in the mail, you can activate it by using your PIN number at an ATM. When using the card at an ATM you will need your Personal Identification Number (PIN). This will be mailed to you after you received your card.


Please contact MCU before you travel with your debit card. If we do not know that you are traveling, and suspicious out of state or out of country transactions shows up, your debit card may be blocked and will be unusable. Calling MCU before your trip will help prevent a block of your accounts during your travel time.

Order Checks

Use the links below to order additional checks for your Meadowland Credit Union Checking Account.

External LinkChecks for Less

External LinkHarland Clark (Liberty)