Free Checking
Enjoy simple everyday banking with MHV Free Checking, featuring no monthly maintenance fee and convenient access to your money.
share draft, share draft account
Free checking.
Full features.
No catches.
0 monthly fee. $15 minimum balance. No hoops. Just a checking account that works as hard as you do — with a local team behind it.
Find the right fit for you.
NEED WAY TO BUILD COMPARISON CARDS HERE
| Feature | MHV Free Checking | Big Bank Checking | National CU |
|---|---|---|---|
| Monthly maintenance fee | $0 — always | $12–$35/mo | $0–$5/mo |
| Minimum balance to avoid fee | None | $1,500–$10,000 | $300–$500 |
| Surcharge-free ATM network | 118,000+ | 15,000–20,000 | 30,000+ |
| Mobile check deposit | ✓ | ✓ | ✓ |
| Zelle® transfers | ✓ | ✓ | ✕ |
| Overdraft protection options | ✓ | ✕ | ✓ |
| Local branch & decisions | 7 counties, 14 locations | Regional only | ✕ |
| Profits returned to members | ✓ | ✕ | ✓ |
Free Checking
- No monthly maintenance fee
- No minimum balance required
- 118,000+ surcharge-free ATMs
- Full mobile & online banking
- Instant card controls
- Zelle® included
Everything you'd expect.
None of what you don't.
Zero monthly fees
Mobile deposit & banking
118,000+ surcharge-free ATMs
Instant card controls
Zelle® built in
Overdraft protection options
Open in three steps.
Apply online in minutes
Confirm your identity
Fund with $5 and you're in
Open in three steps.
Apply online in minutes
Confirm your funding
Start banking right away
You've got options when it comes to protecting your ability to pay
Checking Account Resources
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What our members say
about banking here.
“MHVFCU has been an outstanding partner for my small business, and also my personal finances. It is a great place to be a member!”
“I have always been very happy with the friendly service and services offered by the credit union. I have had family and friends join upon my recommendation.”
“It’s feels like there is a genuine care about the members of the credit union.”
Everything you need to know.
Still have questions? Our local team is available by phone or in-branch.
Call us at 845.336.4444
Yes. MHV Free Checking has no monthly maintenance fee, a low $5 minimum balance requirement, and no direct deposit requirement. It's free to open and free to keep, regardless of how much you use it or keep in it.
Anyone who lives, works, worships, or attends school in Ulster, Dutchess, Orange, Sullivan, Westchester, Putnam, or Rockland County is eligible. Immediate family members of existing MHV members also qualify.
Just $5 to open your membership share — which stays in your account as your membership stake. An additional $ 5 deposit is required for Free Checking.
Yes. MHV branch ATMs accept cash and check deposits 24/7. The Allpoint and CO-OP network ATMs are for cash withdrawals only — but surcharge-free for MHV members nationwide.
Absolutely. Joint accounts are available for Free Checking and all other account types. Both account holders must be MHV members. Open online or at any branch.
Section: Testimonials
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“Every time I have a question about anything, it gets handled quickly and efficiently. ”
“The staff, the environment, the atmosphere of the Woodstock Branch of MHV makes for an incredibly pleasant, easy and efficient experience.”
“This is best location out of all the MHV locations. If you need help at this location in Woodstock ask for Rachel! she is truly amazing and went above and beyond to help set a account. We can’t thank her enough.”