Checking Accounts

Members Choice Checking Accounts

Uncomplicated & Fully Mobile People love our Checking Accounts! We all need to save money these days, don’t we? No gimmicks allowed. Simple and easy to understand checking accounts are what Members Choice offers. Our Value Checking account is the most popular. Mobile conveniences such as MFW Mobile App, eAlerts, e-Statements, unlimited Online & Mobile Bill Pay and Online Branch included at no charge make Members Choice checking accounts extremely popular. Phone 254-776-7070 or 800-283-5343.

Checking Accounts Minimum Opening Deposit No Monthly Fee If Monthly Fee Per Check Charge Debit Card
FREE Value Checking $25 No Fee No Fee Unlimited withdrawals Free & Unlimited
Regular Checking $25 Member maintains monthly balance of $300 or more $3.00 $.10 per check in excess of 20 checks per month FREE
GEM Checking $25 Not applicable $8.00 Unlimited withdrawals FREE
Opportunity $25 Member maintains monthly balance of $500 or more $5.00 Unlimited withdrawals FREE
JAMMS Checking (Youth only) $25 Not applicable No Fee Unlimited withdrawals Unavailable

Members Choice Checking Accounts all feature free our Mobile App, totally unlimited Online Bill Pay, eAlerts and Online Branch access. REAL VALUE!

  • Free Value Checking A true VALUE checking account that requires no minimum balance and has no monthly service charges; $25 minimum initial deposit to open. Free, Unlimited debit card usage.
  • Regular Checking $25 minimum initial deposit to open; no monthly service fee with a balance of $300 or more. A low monthly service fee of $3.00 will be assessed if balance falls below $300.
  • GEM Checking Free ATM card, discounted checks, free travelers checks; $25 minimum initial deposit to open; $8.00 monthly service fee.
  • Opportunity Checking (55 Plus) Free checks, free safe deposit box, free travelers checks; $25 minimum initial deposit to open; no monthly service charge with a balance of $500 or more. A monthly service fee of $5.00 will be assessed if balance falls below $500.
  • JAMMS Checking (ages 13-17) Open a JAMMS with $25. No monthly fee and unlimited withdrawals!

Funds Availability Policy

Fair Credit Billing Act & Account Reconciliation Sheet