Open a Checking Account Free with MTC Federal Credit Union

Take Advantage of Cash Back or High-Yield Checking

Every MTC Federal checking account includes our NEW Digital Banking with Credit Savvy that provides the convenience access for all your banking and financial needs.

24/7 banking including remote deposit, direct deposit, bill pay, access your statements, set up Saving Jar for additional savings, and more.
Track your credit score, manage your finances, set goals and create a plan, and access information to help you on your financial journey.
Debit card with rewards
Access to more than 30,000 surcharge free ATMs nationwide
Debit Card Available for Digital Wallet: Google Pay™, Apple Pay® and Samsung Pay™
Overdraft protection options
Debit Card Fraud Protection Alerts

Checking Account Options

For additional details about each account type, expand the account option you’re interested in.

Our 6% Cash Back Checking is crafted to provide incredible rewards and financial advantages that align with your dedication and lifestyle.

Your hard work deserves to be rewarded. Why settle for pennies from a traditional bank checking account when you can earn real cash with MTC Federal. The Cash Back Checking account transforms your daily purchases into real earnings.

Start earning cash back today.

Learn More About Cash Back Checking

Our High-Yield Checking is crafted to provide incredible rewards and financial advantages that align with your dedication and lifestyle.

Your hard work deserves to be rewarded. Why settle for pennies from a traditional bank checking account when you can earn 6% interest with MTC Federal. The High-Yield Checking pays high dividends, so your money is always working as hard as you do.

Start earning higher dividends today!

Learn More About High-Yield Checking

Free Basic Checking from MTC Federal offers flexibility, convenience and easy access to help you manage your daily expenses.

Requirements:

Direct deposit of $400 per month
Loan, share certificate or money market account with a value of $2,000 or more

Special Features:

No minimum balance requirement
No service charges
Complimentary 1st box of checks
6 free non-MTC Federal ATM withdrawals per month

Side-by-Side Comparison

	HIGH-YIELD	CASH BACK
Account	High-Yield Checking OPEN IN MINUTES Learn More	Cash Back Checking OPEN IN MINUTES Learn More
Monthly Rewards	- 6.00% APY* on balances up to $15,000 - 6.00% to 1.22% APY* on balances over $15,000 depending on balance in account - 0.05% APY* if qualifications aren't met	- 6.00% cash back on debit card purchases* - Cash back earned on up to $200 in purchases monthly - Up to $144 cash back per year, $12 per month
Monthly Maintenance Fee	NONE	NONE
ATM Access	Refunds of ATM withdrawal fees up to $25, nationwide*	Refunds of ATM withdrawal fees up to $25, nationwide*
Free Online & Mobile Banking Access?	Yes	Yes
Free Debit Card?	Yes	Yes
Minimum Opening Deposit	$0	$0

Debit Card Rewards Program

No matter which account you choose, you can receive rewards simply for using your MTC Federal Debit Rewards Mastercard® to make purchases!

Earn reward points with PIN and signature transactions (1 point for every $4 spent)
Redeem points for cash back, merchandise, travel, event tickets and more
To redeem rewards, log-in to Digital Banking or call 877-769-7795.

For a comprehensive list of services and additional information view: The Guide to Benefits Brochure

Rewards Website

To open a checking account or get help from a Member Service Representative, use the Open an Account form, call 800-442-7792 or visit a branch. Switching to an MTC Federal checking account is easy! Use our Switch Guide to get started.