Does the banking unicorn exist?

The checking account that keeps it awesome.

Open my checking account

4.6 out of 5 stars

935 reviewers rate us a 4.6 out of 5 on Google*

Money’s Stressful. Banking Should be Awesome.

You have enough to worry about. Money itself is enough to worry about. So your banking experience should be simple, super, and smart.
YES. I want this account. Open it now.
  • Be treated well

    Be Treated Well

    Remember the Golden Rule? Well, we treat you how we’d want to be treated. Like a human who matters.
  • Bank icon with money sign

    Get What I Need…And Want

    All those products and services you’d find at a big bank? We’ve got them. From checking and savings to mortgages, loans, investments, and money markets.
  • Keep money local

    Keep My Money Local

    We’re not here to make investors happy. We’re here to make you happy. Banking with a credit union means your money stays local, supports local, and sustains local.

Refreshingly Uncomplicated

  • 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.
  • 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.
Open My Account

How does MHV's checking account compare?

MHV Chime Ally
Cash Deposits ✓ May incur a fee** -
ATMs 118,000+ 60,000+*** 43,000***
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 ✓ - -

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

Open your checking in two steps

  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.
I'm ready to open my account

*As of 2/9/2025 

Mid-Hudson Valley Federal Credit Union is headquartered in Kingston, NY with branches in Dutchess, Orange, Ulster and Westchester County, NY. To view policies, disclosures and other important information, please visit our disclosures page.