Family with tablet

Checking Accounts

"17 Years of Perfection." - Bill T.


Your deposits are federally insured by the NCUA to at least $250,000

The Checking Account You Need + The Extras You Want

  • Online & Mobile Banking

    Online & Mobile Banking

    Convenient and secure access to your accounts 24/7 to check balances, transfer funds, pay bills and more.
  • Mobile Check Deposit

    Mobile Check Deposit

    Deposit checks into your account anytime, anywhere with a tap and a snap.
  • Card in ATM

    Over 118,00 Totally-Free ATMs

    Enjoy totally-free access to your account at participating ATMs worldwide.
  • Account Alerts

    Account Alerts

    Stay on top of your accounts with custom alerts sent by email or text.
  • Transfer funds icon

    Transfer Funds

    Transfer funds between any of your MHV accounts. Plus you can add external financial and investment accounts and set up transfers between them and your MHV accounts.
  • Mobile wallet

    Mobile Wallets

    Add your MHV Visa® Debit Card to Apple Pay, Google Pay, Samsung Pay or Microsoft Wallet to shop with ease and security.
  • MyMoney Trail

    MyMoney Trail

    Link all of your accounts in one place to track spending, create budgets and manage debt.

You've got options when it comes to protecting your ability to pay

Overdraft Protection

If you don’t have enough in your Checking to cover a purchase, enroll in this option and we’ll automatically pull available funds from your Savings or advance your Line of Credit to cover it without a fee. Just ask us to connect your accounts.

No Bounce Courtesy Pay

For a fee, No Bounce may cover your checks or automatic payments for you when you don’t have enough in your account, up to your individual limit. You can even choose to include your ATM withdrawals and debit card purchases in this program.

No Monthly Fees + Friendly Service

  • I love the no monthly fees and the friendly employees who recognize me and say hello.
    Luther Z.
  • Nice, fast, friendly service. The perks package is totally worth it. And the overdraft protection is a life saver!
    Alex B.

Commonly Asked Questions About Checking

  • Your Current balance is the total amount of funds in your account. Your Available balance is the total amount of funds in your account minus any transactions that are pending, such as items waiting to be cleared or debited and transactions that haven’t yet been processed. When you are determining if you have enough to cover a purchase, you should be aware of your Available Balance. To know the true available balance in your account be sure to keep a register of all transactions in order to avoid unnecessary service charges.

  • Contact your Human Resources Department to establish direct deposit into your MHV Checking Account. You can download our Switch Kit, which includes a payroll form your HR Department may require.

  • MHV is a member-owned credit union. Your Savings Account – with your $5 required opening deposit – is your share in the membership.

  • Visit our Perks Package page for more information.

    Visit any Branch Location and add Perks Package to your MHV Checking Account today!