New Checking Members

Get $150

with qualifying activities
Open an Account

It Pays to be a MECU Member.

For a limited time, get $150* when you open an eligible MECU checking account.   


Here's How it Works

  1. Open an account

    Open an eligible CashBack Checking or RewardChecking account by October 31, 2019.

  2. For two consecutive months after account opening, complete the qualifying activities

    • Set up and receive direct deposits totaling $500 or more
    • Make 12 or more debit card purchases
    • Opt in to paperless eStatements

  3. Enjoy a $150 bonus*

    We'll deposit $150 into your account within 30 days of meeting the offer requirements.


Plus, you'll get:

No monthly maintenance fees or minimum balance requirements
Cash back or high-interest checking
Access to 30,000 free ATMs and a top-rated mobile app

Have a question?

Visit your local MECU branch or call us at 410-752-8313.
Not a member? Not a problem. It's easy to join.


*Eligibility Requirements:
This offer is valid for new consumer CashBack Checking and RewardChecking accounts. This offer is intended for new checking members only. You are not eligible for this offer if you are a current owner of a MECU consumer checking account as of June 20, 2019.  Business and Fiduciary accounts are not eligible for this offer.

Bonus Requirements:
To receive a $150 bonus,
open a new, eligible MECU consumer checking account with a minimum opening deposit of $25 by October 31, 2019. All account applications are subject to approval. For two consecutive months after account opening, complete the following qualifying activities: 1) receive a cumulative monthly total of $500 or more in qualifying direct deposits to the checking account; 2) complete 12 or more debit card purchases; and 3) enroll in paperless e-Statements. A qualifying direct deposit is the member’s salary, pension, Social Security, or other regular monthly income, electronically deposited through the Automated Clearing House (ACH) by your employer or third party.

Bonus Payment:
We will deposit the bonus into your new checking account within 30 days after meeting all offer requirements. The new checking account must remain open with a balance of $1 or more to receive any earned bonus payments. You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.

If the checking account is closed within six months of account opening, MECU reserves the right to deduct the bonus from the account at the time of closing. Offer is non-transferable and cannot be combined with other offers. This offer is subject to change and may be discontinued at any time without prior notice. Membership eligibility required. Other restrictions may apply.

Account Opening:
Minimum to open eligible checking account is $25. To qualify for monthly cash back, high yield interest, or ATM fee reimbursements each cycle, account must meet the following: 12+ debit card purchases, E-statement enrollment, and 1 or more automatic payment, direct deposit, or Bill Pay transaction. Qualifying transactions must post and clear the account during the monthly qualification cycle. 

CashBack Checking Monthly Qualification Cycle: if qualifications are met each cycle, you will receive 3% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per monthly cycle. 

RewardChecking Monthly Qualification Cycle: if qualifications are met each cycle, balances up to $9,999.99 receive APY of 3.00% and portion of balance $10,000 and over earns 0.75%APY, resulting in 0.75% - 3.00% APY depending on the balance. If qualifications are not met, all balances earn 0.10%APY for that cycle. APY = Annual Percentage Yield. APY accurate as of 7/24/2019.

ATM fee reimbursements up to $20 provided only if checking qualifications are met within the monthly qualification cycle. When checking qualifications are not met, no cash back or high yield interest payments are made and ATM withdrawal fees are not refunded. Rates and rewards are variable and may change after account is opened. Visit for full details and view “Monthly Qualification Cycle” dates.