Skip Navigation Marion Community Credit Union logo. Click to return to home page.
    Site Map    Find ATMs    Find Shared Branches    Facebook icon. Click to visit our Facebook page. Instagram icon 


Checking and Debit Accounts

Checking General Information

We Have What You Need!

From our no-fuss Penny Pincher checking to our dividend-earning Draft checking, we have the checking account for you. All checking accounts require an initial $100 deposit, but the minimum balances vary per account. ATM and MasterCard Debit cards are available for all checking accounts, and account access is available online.

Automatic overdraft balance transfers and overdraft loans are also available. If you are a senior or a student, we even have special accounts for you! Or, if maintaining $1,000 or more in your account is no problem and you don’t need total liquidity, our Money Market Account, which earns higher interest rates, might just be the account for you.

Ask your Marion Community Credit Union Member Services Representative for more information of those special accounts. Check out our other checking account options.

Remote Deposit Check service allows you to deposit checks into your account using your smartphone or tablet. See more information about this service below.

All MCCU checking accounts are now eligible for online account access. Stop in either branch or call us today at 740-389-9960 to sign-up to access your account online. Bank online today!

Regular Checking 

Penny Pincher Checking

Senior Checking

Student Checking

Money Market Checking



Regular Checking Account

Regular Checking

All checking accounts require an initial $100 deposit, but the minimum balances vary per account. ATM and MasterCard Debit cards are available for all checking accounts, and account access is available online.


Penny Pincher Checking Account

Penny Pincher Checking

The Penny Pincher checking account is the Marion Community Credit Union’s FREE checking with no minimum balance requirement.

  • No monthly service charges
  • Does not earn dividends
  • Check cashing fees may apply
  • You purchase your checks
  • Free Online Banking
  • Free E-statements
  • Free Bill Pay Plus


Senior Checking

Senior-Golden Star Checking

This account is for any member 60 years of age or older. We understand that your retirement years need to be affordable so we offer this as an affordable alternative.

  • No monthly service charge or maintenance fees.
  • One free box of checks per year.
  • No minimum balance after initial deposit of $20.00
  • Debit card available.
  • Does not earn dividends.
  • Come see what we can do for you in your retirement years!
  • Free Bill Pay Plus
  • Free E-statements
  • Free Online Banking


Student Checking

Student - Rising Star Checking

Our Student Checking is available for students up to age 24 and is a great way for students to afford their first checking account. We offer:

  • No monthly service charge or maintenance fees.
  • One free box of checks per year.
  • No minimum balance after initial deposit of $20.00
  • Debit card available.
  • Free Online Banking
  • Free Bill Pay Plus
  • Free E-statements

A Parent/guardian must sign for anyone under age 18. Proof of student status must be provided at least 1 time per year.

  Money Market Checking

Money Market Checking

Money Market Checking Account gives you a higher dividend rate than on a traditional savings account without having to tie it up in a certificate to earn more. You can also receive the ease of access of a checking account if you wish to order checks for this account.

Account Requirements:

  • $1,000.00 minimum balance must be maintained at all times to earn dividends and if your account balance falls below $1,000.00, a $10.00 draft service charge will be applied on the last day of the month .
  • $250.00 minimum withdrawal.
  • Accounts closed prior to the end of the month will forfeit accrued dividends.

You will receive a monthly dividend paid the last day of each month based on your account balance. Dividend rates may change weekly. We will send you a monthly statement showing all account balances and activity. This is a non-transaction account, so no automatic electronic debits can be made to this account.

To open an account, just stop in today!


Remote Deposit

Remote Deposit Check

Remote Deposit Check allows you to scan checks remotely (via your smartphone, tablet, or scanner, for example) and transmit the check images to us for deposit, via an encrypted Internet connection.

The first $200 of funds from Items deposited into a checking account will generally be available immediately; the remaining funds will generally be available on the second business day after the day of deposit. We may make funds available sooner to certain depositors.

To activate this service, stop in one of our branches to fill out a Remote Deposit Check application.

An Android phone, iPhone, iPad or current document scanner with internet access is required to use the service.



ATM/Debt Card

ATM Debit Card

Our ATM and debit cards can give you the freedom to access your money virtually anywhere! You can use your cards at any ATM displaying the Cirrus, Fastbank or Pulse logos - that virtually world-wide access!

Locate an ATM

Avoid paying surcharges at other financial institution’s ATM machines by getting yourself extra cash when you make a purchase using your ATM or Debit card.

You can also get cash at most stores that accept debit cards by indicating “Yes” when the pin pad asks if you would like extra cash. In most cases it will then allow you to select a desired amount. You will not be charged extra for this service.


Enhanced protections

Enhanced Protections

Use your MCCU Debit card for purchasing and your purchases will have enhanced protections: Price Protection, Extended Warranty, and Satisfaction Guarantee

Extended Warranty Insurance*

Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.

Price Protection*

If you find a lower price within 60 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

Satisfaction Guarantee*

Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.

*Certain restrictions, terms, and conditions apply. Click on the service for complete details.



Lost / Stolen Debit Card: 740-389-9960 (MCCU) or 1-800-264-5578 (After Hours)

Debit Card Charge Dispute: 740-389-9960 (MCCU) or 1-866-987-1457 (After Hours)


Overdraft protection

Overdraft Protection (E-Z Advance)

We strive to find new and better ways to meet all our members’ financial needs.

It is not unusual for people to find themselves facing a cash shortfall due to a mistake in their checkbook or an unexpected bill. If you have ever accidentally bounced a check, you already know, in addition to the embarrassment, you also face merchant fees, the inconvenience of returning to the merchant to correct the error, and the potential negative effect on your credit rating.

Your credit union understands, and this is why we are introduced our E-Z ADVANCE program. It is automatically available to most of our share draft checking accountholders – Some restrictions do apply. It is a non-contractual courtesy and requires no action on your part to enroll. It costs nothing unless you use it. With E-Z ADVANCE, our intent is to provide you with some additional peace of mind in knowing you have a resource available in case you need it. Your financial transactions (checks, Debit card purchases and automated debit transactions) may be honored up to your limit of $500, as long as you maintain your credit union accounts in good standing. If you overdraw your account, Marion Community Credit Union may choose pay the item and charge your account our standard $30 non-sufficient funds fee rather than return it for non-sufficient funds.

We believe E-Z ADVANCE is one more way we can help you meet unexpected financial needs. If you wish to “OPT OUT” of E-Z ADVANCE please notify this office at 740/389-9960. We look forward to continuing to serve you.


  Reorder paper checks

Re-Order Checks Online

You can reorder your paper checks online directly from Main Street. Please have an existing check ready, as you will need information from it.

Reorder Online  




      Interest Rates Certified by Datatrac