Checking

In recent months, you may have noticed that the big, national financial institutions are slowly becoming less "free" and more "fee" with their checking accounts. Many of those financial institutions are now imposing monthly service fees or minimum balance requirements. At MMCU, we don't!

Our checking accounts come with no monthly fees or minimum balance requirements as well as many of the other products and features you want.

• New accounts - 12 free temporary checks upon request

• Over 32,000 surcharge-free ATMs nationwide via Allpoint systems

• Over 600 surcharge-free Allpoint network ATMs in the Dallas/Ft. Worth Area

• Direct deposit

• Overdraft protection

• MasterCard Debit Card available

• Account access through M.A.R.T.I.N., our 24-hour telephone response system

• Pre-authorized automatic drafts (no charge)

• Consolidated monthly statements

• Wire Transfer

• Stop payment

• Home banking access

• Online Bill Pay

Please see our Fee Schedule for any applicable fees, or contact us for more information about our checking account.

In today's busy world, getting access to your cash can be difficult to fit into your demanding schedule. With a MasterCard© debit card from Metro Medical Credit Union, your spending options have increased! You can use your MasterCard© debit card to make purchases and get cash back at many supermarkets, drug stores, and other merchants like Target, Costco, and Walgreen's. MMCU is also part of the Allpoint network, so you can also use your MasterCard© debit card at thousands of ATMs across the county. Just call or stop by one of our branches to get your card today!

With our MasterCard© debit card:

• It is accepted wherever you see the MasterCard© and Allpoint logos

• Over 32,000 ATM surcharge-free Allpoint locations nationwide

• Over 600 surcharge-free Allpoint network ATMs in the Dallas/Ft. Worth area

Please contact us if you have any questions about our MasterCard© debit card.

With Metro Medical fraud monitoring, keeping your debit card safe is as easy as sending a text.

Our text alert service allows you to instantly keep tabs on suspicious card activity.

HOW IT WORKS: With text fraud alerts, if our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction.

If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set, you may continue to use your card. The system will mark the transaction as legitimate and you can get on with your day – simple as that.

GETTING STARTED: If we have your mobile phone number on file, you don’t have to do anything. It’s really that easy. If there is suspicious activity, we’ll send a text alert right away.

If you need to verify or update your mobile phone number or for more information, call 214-630-0611.

You can arrange to have your payroll, Social Security, pension or any other recurring check deposited directly into your Metro Medical Credit Union checking or savings account. By doing so, you can eliminate the possibility of losing your check and avoid the need to stand in line to cash or deposit it.

Please contact us or view the FAQs page if you have any questions about direct deposit.

It can be easy to lose track of spending and make an occasional budget oversight. But, it’s also easy to “back-up” your checking account by linking it to your MMCU savings account. If you write a check, authorize a payment or use your debit card to make a purchase when there are not enough funds in your checking account, funds will be transferred from your savings account to your checking account to cover the amount.

Please contact us if you have any questions about overdraft protection.