With our upgraded checking accounts, you now automatically earn reward points for all your debit card transactions!
Open a new checking account before September 30th and you can jumpstart your reward points.
SCORE 1,000 BONUS POINTS*
Within the first 30 days of opening your new checking account:
- Make $500 in debit card purchases
- And complete 10+ debit card transactions
Redeem Points for
Travel | Merchandise | Gift Cards
OPEN A NEW CHECKING ACCOUNT TODAY
At Members Trust Federal Credit Union, you aren’t “just another person.” We know that all our members’ financial needs are different. Members Trust offers an assortment of checking accounts tailored to meet your specific needs. Become a member and open a checking account that fits your needs today
All Members Trust Checking Accounts Feature:
- Debit Card with Reward Points on Purchases (with approval on second chance checking)
- FREE Online and Mobile App Access
- FREE Online Bill Pay
- FREE Mobile Deposit
- FREE MTFCU Card Mobile App
- No per check fees and unlimited check writing
- Optional Overdraft Protection (from savings)
- Overdraft Privilege (with approval)
- Reorder Checks Here
Members Trust is proud to provide Free Checking to our members. It’s absolutely free - zero, zilch, nada! With a Members Trust Free Checking account you’ll enjoy:
- No minimum balance requirements
- No monthly service charges
- No per check fees
- Unlimited check writing
- Free online account access via NetBranch
- Free Online Bill Pay
- Debit Card with Reward Points on purchases
- Optional Overdraft Protection from your savings
- Overdraft Privilege
Can’t catch a break? We know that everyone can’t be perfect all the time but we believe everyone deserves another chance. That’s why we have our New Start Checking Account. Even if you have a less than perfect banking history, this account could be the option for you! This checking account is designed for those who need a little help rebuilding credit and banking history.
- Unlimited Transactions
- We make it easy to avoid bounced checks by offering overdraft protection.
- Requires a $50 minimum, opening deposit and in 6 months, you can apply for a Debit Card with Reward Points on purchases!
Having money is a good thing. Having money in a Members Trust Federal Credit Union Dividend Checking Account is even better. Don’t know what a dividend is? A dividend is like interest, which is what you’ll earn with this account! Your Dividend Checking Account will let you keep a flexible cash flow, all while earning high dividend rates. Much like a savings account, your Members Trust Dividend Checking Account is designed to help you save because you’ll earn dividends on average daily balances of $1,000 or more.
- Debit Card with Reward Points on purchases
Learning how to manage your finances can be tough. Student checking accounts are designed for our members age 13-22. Students ages 13-17 will need a joint signer on the account; however, students ages 18-22 are eligible to open the account on their own. This account features:
- A low opening deposit of $25
- No monthly service charge
- No minimum balance requirement
- Debit Card with Reward Points on purchases
Our Advantage Plus checking is designed for our members 55+
This account features:
- A low opening deposit of $50
- No monthly service charge
- No minimum balance requirement
- Free "Custom" checks
- 50% Discount on Safe Deposit Box Rental (Stephenville Location)
- Debit Card with Reward Points on purchases
Debit Card Rewards
All Consumer Checking accounts (excluding Commercial Checking) earn reward points for purchases.
- Earn 1 point for every $5.00 in purchases. This includes both pin and signature-based purchases whether in person or via online channels.
- Visit CU Rewards to register and redeem points.
- Redeem points (100 points equals $1 redeeming value) for select travel, merchandise, or selected gift cards.
CU Rewards Customer Service can be reached at 1-800-637-7728. Points are good for 2 years from the calendar year in which they were earned. If your card is lost or stolen, points can be moved from your old card to your new debit card. Full CU Rewards Program Rules and Conditions can be found on the CU Rewards site once you create an account - https://www.curewards.com/Login.
Overdraft Services
With Members Trust Overdraft Services, you know that your transactions will be covered. We offer two overdraft services to help you manage your checking account. Both services are optional and there are no enrollment fees. If you are enrolled in both services, we will use Overdraft Protection first - which has a lower fee - to cover your overdraft.
Overdraft Protection
With Overdraft Protection we will automatically transfer available funds from your selected Members Trust account, to cover your transaction, if you don’t have enough money in your checking account. There is no fee to sign up for Overdraft Protection. A single Overdraft Protection transfer fee would be charged only when we transfer funds. See our current fee schedule for the current Overdraft Protection fee. Overdraft Protection provides the extra peace of mind for your checking account.
Overdraft Privilege
We offer a useful feature on our Checking accounts - Overdraft Privilege - as a benefit to our members. With Overdraft Privilege we will pay your non-sufficient funds (NSF) checks, ACH transactions (and optional check card transactions), and fees up to a preapproved limit. There is a set fee per overdraft item but this service saves you time, embarrassment and the additional fees charged by many other companies. Overdraft Privilege is available to members with accounts in good standing and available limit on their Overdraft Privilege option. Members are required to restore a positive balance in their checking account, within 45 days or the account will be closed and sent for collection.
Contact us to open your checking with overdraft today!
1Remote deposit – member must have a checking account for 60 days and complete the Remote Deposit Capture form for approval.
2Debit Card available with approval on New Start Checking accounts.
3Overdraft Privilege is available after the checking account has been open for at least 60 days. To qualify, members must be in good standing. Overdraft Privilege is not available for New Start Checking accounts. Overdraft Privilege is a discretionary courtesy or privilege that the credit union may provide to you from time to time and which may be reduced, withheld, or revoked by MTFCU at any time without prior notice, reason, or cause. If approved for Overdraft Privilege service, you may notify the credit union in writing to have the service removed from your account at any time.
*1,000 bonus points are only available on new checking accounts opened before September 30, 2024. New checking account holders must use their new debit card to make at least $500 in purchases AND complete 10 or more debit card transactions within the first 30 days of account opening to receive the 1,000 bonus points. The 1,000 bonus points will be credited to your CU Rewards account within 30 days of meeting the requirements. CU Rewards Customer Service can be reached at 1-800-637-7728. Points are good for 2 years from the calendar year in which they were earned. If your card is lost or stolen, points can be moved from your old card to your new debit card. Full CU Rewards Program Rules and Conditions can be found on the CU Rewards site once you create an account - https://www.curewards.com/Login.