Compare Checking Accounts
Your new, favorite checking account is waiting for you
Compare Our Checking Accounts to Find the Right Fit
Basic Checking
Malama Rewards Checking
Cash Back Checking
Best for members who want
Everyday Value
Higher Yields
Cash Earnings
Monthly service fee
None
None
None
Minimum balance requirement
None
None
None
Earns dividends
Earns cash back
Free Visa Debit Card
Earn reward points with Visa Debit Card purchases
Free mobile card controls
Free credit score and monitoring
Eligible for ATM fee refunds
Free Online Banking and Mobile App
MCFCU Basic Checks
Free with direct deposit or if you are age 55+
Free with direct deposit or if you are age 55+
Free with direct deposit or if you are age 55+
Unlimited Check Writing
Qualifying Debit Purchases
None
10+ per month
10+ per month
Qualifying ACH Transactions
None
1+ per month
1+ per month
eDocuments Enrollment
Not required
Required
Required
Resources for Managing Your Money
Helpful resources, financial education, calculators, and guidance to help you save smarter and handling your finances with confidence.
Plan your budget and track your spending with confidence.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for checking & savings accounts.
Plan your budget and track your spending with confidence.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for checking & savings accounts.
1Please see our Truth in Savings Disclosure regarding our Malama Rewards Checking.
2Please see our Truth in Savings Disclosure regarding our Cash Back Rewards Checking.