Checking & Debit Card

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Free checking, more rewards

At MECU, our checking accounts are designed to give you more every day. No minimum balance requirements. No monthly maintenance fees. Plus you can earn cash back. No matter what you choose, your wallet will thank you.

CashBack Checking

Debit with cash back? Yes, please. Get 3% cash back on your first $250 in qualifying monthly debit purchases. That's an extra $90 a year!

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There's interest checking and then there's RewardChecking. Earn a healthy 3.00% APY on up to $10,000 in qualifying balances.

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Basic Checking

Get a free Visa® debit card, unlimited check writing, and Online Banking and Mobile Banking. Plus, you'll earn a competitive interest rate.

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Compare our Checking Accounts
CashBack Checking RewardChecking Basic Checking
No monthly maintenance fees

No minimum balance requirement

Built-in rewards
Up to 3% cash back on qualifying monthly debit card purchases*
Earn 3.00% APY on up to $10,000 in qualifying balances*
Earns interest on all balances*

30,000+ free ATMs

Reimbursement of some ATM fees at non-MECU ATMs**

Free Visa® Debit Card

Free Online Banking and Bill Pay

Top-rated Mobile App with Mobile Deposit

Higher relationship rates on savings accounts

First check order is free
Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on checking accounts and debit cards.
* APY=Annual Percentage Yield. Rates are subject to change at any time without notice.  Minimum opening balance is $25. Certain conditions apply.

**ATM fee reimbursements up to $20 provided only if qualifications are met within the monthly qualification cycle. Checking account only.

See Truth In Savings for full disclosure.