Checking

Enjoy the freedom of no monthly maintenance fees, so you can save more.

Our Mission City High Yield Checking Account
offers the following features:

  1. 3% Dividend* when qualifications are met.
  2. No Monthly Fees: Enjoy the freedom of no monthly maintenance fees, so you can save more.
  3. 30,000 Free ATMs: Never pay ATM fees again.
  4. Free Online/Mobile Banking: Access your account anytime, anywhere with our user-friendly online banking platform or mobile app.
  5. Mobile Check Deposit: Deposit checks quickly and securely using out mobile app.
  6. Domestic ATM surcharge rebates up to $15.00 per month so you can use your debit card at almost any ATM, when qualifications are met.

AccountMinimum to earn dividendAPY*
Mission City High Yield Checking*$0.00 3.00%
Current as of February 21, 2025 *APY=Annual Percentage Yield.
*To earn dividends, do the following between each monthly cycle: at least 15 debit and/or credit card transactions per month, have at least 1 regular direct deposit for $500 or more, and be enrolled in eStatements. 3.00% APY dividends are paid when all monthly qualifications are met based on your average daily balance up to $10,000 and 0.10% APY thereafter.

*APY = Annual Percentage Yield. APYs accurate as of 01/01/2025. Rates, fees, services and programs may change after account is opened without notice. If qualifications are met each monthly qualification cycle, you will earn 3.00% APY based on your average daily balance, up to $10,000.00, and 0.10% thereafter, in that qualification cycle. If qualifications are not met, your Mission City High Yield Checking will earn no dividends.

Visa Debit Card Angled

FREE with every Checking Account

VISA® Debit Card

  • Convenient card access to your Mission City FCU Checking Account
  • Secure EMV Chip Technology
  • Free ATM transactions at over 30,000 CO-OP Network ATMs
  • Free Debit Card security app

Financial Resources for Whatever

As the only financial institution founded and operating exclusively inside of Santa Clara City boundaries, we're committed to the people and future of this community.