Minnesota Valley Credit Union

Personal Checking

Checking Made Simple

At MVFCU it's our philosophy that your checking account should be straight forward and easy to understand.  We offer different accounts, including free checking, each designed to fit the needs of you, the member-owner.

Member Choice Checking Account (S8)

Our most Popular Account. Free checking. This S8, Member Choice Checking Account provides checking account services with no monthly fee and no minimum balance requirement.  It also includes:

  • Unlimited check writing and withdrawal privileges
  • Free Visa Check / ATM Card with no annual fee
  • Free electronic or paper statements
  • Reserve Line of Credit with no advance fee

Emeritus Club Checking Account (S10)

 A special account for members age 55 plus. No minimum balance or monthly fee applies. 

  • Unlimited check writing and withdrawal privileges.
  • Free annual gift pack of 150 Emerald Cut checks.
  • Second box of checks free annually with a balance of $10,000 in savings and/or loans.
  • Free VISA Check / ATM Card with no annual fee.
  • Free photo copy service (some restrictions apply).
  • Free fax service (some restrictions apply).
  • Free cashiers checks

Second Checking Accounts (S9)

For your convenience, more than one checking account is available under your base member (account) number. All features are the same as the primary draft/checking account described above, plus:

  •  $100 minimum balance
  • $2 monthly service fee if balance falls below $100
  • Automatic overdraft protection from shares (reserve line of credit overdraft protection not available)

Second Chance Checking Account (S24)

This account is designed for those with a history of overdrafts or non-sufficient fund charges.  There is a $10 monthly service charge associated with this account.

  • Free VISA Check / ATM Card with no annual fee.
  • Guaranteed $100 Line of Credit
  • Free electronic or paper statements
  • No check blanks allowed
  • Strict overdraft policy
  • 2nd Chance Savings Account
  • Unpaid Account Closure Repayment Plan (if applicable)
  • Required Direct Deposit (if applicable)

Reading the course material and taking the related quiz is required for opening a 2nd Chance Checking Account at Minnesota Valley Federal Credit Union.

Chapter 1: 2nd Chance Checking Account Features

Chapter 2: 2nd Chance Checking Account Requirements 

Chapter 3: Effective Account Management

Chapter 4: Budgeting & Cash Flow



Order Checks

ORDER CHECKS fast with just a few clicks.
Customize your checks or add a checkbook cover to express yourself.

Find An ATM

Shazam Privileged Status ATMs will not charge fees to MVFCU members. CLICK HERE to find an ATM near you.

Avoid Overdrafting

A Checking Line of Credit is the perfect companion to your MVFCU Checking Account.  The Line of Credit is a loan that advances into your checking account if it were to become overdrawn. 
CLICK HERE to learn more.

Manage Your Account Online

MVFCU's online banking allows you to manage your money easily.  View your transactions & balances, transfer funds, set account alerts and so much more.  CLICK HERE to learn more.

Have a Referral?

If you refer a friend, family member, or co-worker to MVFCU we'll give you *$25 and them *$25. CLICK HERE to learn more.