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.

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Find the checking account that fits you

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Member Choice (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 MasterCard EMV Debit Card / ATM Card with no annual fee
  • Free electronic or paper statements
  • Reserve Line of Credit with no advance fee*
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Second Checking (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 besides check writing, 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)
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Emeritus Club (S10)

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

  • Unlimited check writing and withdrawal privileges.
  • 1 Free box of checks once per calendar year.
  • 2nd box of checks free annually/$10,000 in savings and/or loans min required.
  • Free MC EMV Debit Card/ATM Card with no annual fee.
  • Free photocopy service (some restrictions apply).
  • Free fax service (some restrictions apply).
  • 5 Free cashier checks/mo.

All Personal Checking Accounts include:

Debit Card

Use your MNVFCU Debit Card for easy, fast, everyday access to your checking account.

Online Banking

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

Free ATMs

MoneyPass ATMs will not charge fees to MVFCU members. Our ATM locator helps you find a surcharge-free MoneyPass ATM no matter where you are.

Numbers to Know

PIN Reset: 1-888-891-2435
Activate Card: 1-888-691-8661
Lost/Stolen Card: 1-800-234-5354

Order Checks

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

Overdraft Protection

Available Overdraft Protection

What is Overdraft Protection?

Overdraft Protection is money (not in your checking account) that prevents you from overdrawing your account and incurring a $25 overdraft fee.

Checking Line of Credit

Minnesota Valley Federal Credit Union’s Line of Credit, also referred to as ready reserve, is an open ended loan attached to your checking account, ready to kick in if you should happen to overdraw your account. A line of credit costs less than 4 cents per day on a $100 advance which can save you hundreds when compared to NSF fees. The line of credit advances the exact dollar amount you need to cover your transactions, and is simple to repay with a minimum monthly payment of $20 or 4% of the outstanding balance.

Items to consider:
  • There is no advance charge
  • Advances are for only the amount needed
  • This is a loan you must repay
  • Minimum payment is $20 or 4% of balance
  • Your loan will not advance to pay another loan.

Share Transfer

Share transfer will automatically advance the funds you have on deposit in a savings account at MVFCU. Funds advance in $100 increments, there is a $2 charge for this transfer.