Checking (Share Draft)

People at party

All our personal checking accounts offer:

  • No monthly debit card fees
  • No per-check fees
  • FREE Visa Debit Card: with secure EMV Chip technology
  • FREE transactions: at MCFCU ATMs and 30,000 nationwide CO-OP Network ATMs
  • ATM Anywhere: ATM Surcharge Reimbursements at US-based ATMs, up to $15 per month
  • FREE Online Banking: Check your balances online, view checks, make transfers and much more
  • FREE Mobile Banking: Check your balances by phone and perform account transactions 24/7 and more
  • FREE Bill Pay: Pay bills any time & any place,establish recurring payments, save on postage and more
  • FREE Automated Services: Save time and energy with direct deposit, payroll deductions and more

Santa Clara Checking – Great dividends, money-saving discounts, mobile phone insurance, identity theft recovery, and much more

  • 2% dividend: when qualifications are met
  • Shop Local, Save Local with the Mission City Local App: Mission City Local App brings 360,000 discounts to where you live, work or travel
  • Cell Phone Protection: Just pay your cell phone bill with your Santa Clara Checking account and if your phone is broken or stolen, we’ll pay to have it repaired or replaced up to $400 per claim (maximum of $800 per year)
  • ID Theft Aid: Receive $2,500 reimbursement for covered expenses you incur to restore your identity. Plus, get assistance from a personal fraud assistant who provide identity recovery and restoration assistance.
  • Roadside Assistance: Lock your keys in your car? Car won’t start? Roadside assistance is available 24/7. It’s free to use, up to $80 in covered service charges.

Learn more about Santa Clara Checking here:

Santa Clara Checking

Yield Plus Checking – High yield: 2%

  • 2% dividend: when qualifications are met
  • No monthly service charges with $100 minimum average daily balance ($7 if below minimum average daily balance)

Learn more about Yield Plus Checking here:

Yield Plus Checking

Carefree Checking – Simple and easy

  • No minimum balance requirement
  • No monthly service charges with eStatement ($2 without eStatement)
  • No minimum balance requirement

Ready to open your checking account?



Regulation D Information

Federal Regulation D and Its Effect on Your Deposit Accounts

Regulation D impacts the number of transactions Mission City Federal Credit Union may allow on your deposit accounts (including Savings, Club, Trust and Money Market Accounts). This regulation was implemented by the Board of Governors of the Federal Reserve System, whose job is to ensure that financial institutions maintain adequate reserves for the funds they have on deposit.

Regulation D affects you by limiting certain withdrawals and transfers that may be made from your Share Savings, Club, Trust and Money Market Accounts. The following transactions (or any combination thereof) are limited to six (6) per month:

  1. Overdraft agreements where money is automatically withdrawn from a share account to cover overdrafts in any of your other Mission City Federal Credit Union accounts.
  2. Telephone banking transfers or other telephone transfers from a share account to other accounts or third parties.
  3. Online banking transfers from a share account to other accounts or third parties.
  4. Preauthorized, automatic transfers (ACH) made at a predetermined time to third parties or to your other accounts, of which up to six (6) may be made by check, check card (if applicable) or similar order to a third party.

There is no limit on the frequency or dollar amount of transfers for the purpose of repaying loans and associated expenses where the loan has been made to you by the Credit Union or is serviced by the Credit Union.

And, there are no limitations to the number of transactions that you handle on any account in person, by mail or through an ATM. You should know that Mission City Federal Credit Union will refuse any transactions that are not in compliance with Regulation D (checks may be returned and fees applied).



1391 Franklin Street,
Santa Clara, CA 95050

Phone: (408) 244-5818
Toll Free: (888) 361-1894
Fax: (408) 244-9390

Debit Card Lost/Stolen Hotline: (800) 472-3272

Visa Credit Card Lost/Stolen Hotline: (800) 325-3678

Routing Number: 321177447

NMLS # 490777

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