THIS IS YOUR TOTALLY FREE CHECKING

You don't have to choose between
online and in-person banking anymore.

Open my account

BANK ONLINE. OR BANK IN PERSON.
HYBRID BANKING IS YOUR BEST CHECKING SOLUTION.

Fully digital banks sound pretty convenient. 

But think about this: 

What happens when you lose your debit card and can’t access your cash?

And there’s no Branch around to get help – or your money? 

Or when you discover that the digital features you wanted are only available to people with direct deposit?

Hybrid banking

Imagine getting the best of both worlds

Fully Digital Banking

Go completely digital with Online Banking and the MHV Mobile App.
Open My Account
  • Cell phone icon

    Pay, Transfer and Deposit

    Pay, transfer and deposit funds all from our mobile app
  • Cell phone icon

    Monitor

    Monitor your accounts wherever you are without stepping foot in a Branch
  • Online chat

    Chat

    Chat with a representaitve 9am-6pm Mon-Fri and 9am-2pm on Saturdays 

BACKED BY BRANCH LOCATIONS ACROSS THE HUDSON VALLEY

Get the human help you want. Head to a Branch Location for in-person assistance with account questions, fraud solutions, lost cards, and financial education. 

I want this checking account

Locations

“I NEED A CHECKING ACCOUNT THAT HAS EVERYTHING I WANT – WITHOUT FEES”

  • No fees

    No Fees

    No minimum balance requirement. No monthly service fee. No transfer fee. No deposit fee.
  • ATM

    Over 118,000 Totally-Free ATMs

    You should be able to access your cash without fees. And with over 118,000 totally-free ATMs around the country, you will.
  • Digital banking

    Fully Digital Banking

    Pay those bills, transfer that money, deposit your checks, monitor each account - without leaving home. Online Banking and the MHV Mobile App give you the fully digital banking experience you’re looking for.
  • Video Tellers

    Video Tellers

    Forget waiting until Monday. You have live tellers every day of the week at every branch location. Simply chat with them via video to complete your transactions.
  • Add accounts

    Add Accounts

    Add all your accounts – even from other banks – to your Online Banking and MHV Mobile App. Watch everything from one place. Build budgets. Set payoff goals. With just one sign-on.
  • Federally insured

    Federally Insured

    You like knowing your money is safe. We like reminding you that your deposits are federally insured by the NCUA up to $250,000.

COMPARE YOUR FREE CHECKING OPTIONS

MHV Chime Ally
Cash Deposits ✓ May incur a fee1 -
ATMs 118,000+ 60,000+2 43,0002
Secure Online Support ✓ ✓ ✓
Branch Locations for In-Person Help 14 0 0
Automatic Transfers into Savings ✓ ✓ ✓
Cash Access Without a Debit Card ✓ - -
Ongoing Free Financial Education ✓ - -

1As of 3/3/2023 chime.com indicates cash deposits may incur a fee. 2Number of ATMs based on information on chime.com and ally.com as of 3/3/2023. 

YOU'RE ONLY 2 STEPS AWAY FROM YOUR TOTALLY FREE CHECKING

  1. 1

    Open your account

    Open your account online in just 5 minutes. You’ll need your government-issued photo ID.
  2. 2

    Fund your membership

    You’re becoming a member-owner of MHV, and your $5 Primary Savings Account secures that membership.
Open Now

BUT WHAT ARE REAL PEOPLE SAYING ABOUT THEIR ACCOUNTS?

  • Refreshingly uncomplicated and personable service. You really are made to feel like you are joining a family rather than -- as would be the case at a traditional bank -- just becoming another customer.
    Daniel D.
  • Every experience has been beneficial. The people who work there are caring, considerate, knowledgeable , professional and take time to accomplish what needs to be done.
    Maria G.