Family of three laughing at home

Complete Checking Account

Meet your go-to checking account—earn up to 4.07% APY.*

Open an Account

Members Choice Complete Checking® is a high-yield checking account that pays you interest on your money just by using it. This will give you more cash to do what you want—like finally taking that dream vacation or splurging guilt-free!

Everything you need:

And nothing you don't need:

  • No monthly service fee regardless of your balance
  • Plus, you can skip the ATM fees4

Make everyday spending count

With a checking account that earns interest, your daily expenses like coffee runs, groceries, and nights out become way more rewarding. You’ll have extra cash to enjoy more of what you love. Plus, you can easily manage your account on our mobile app—lock your card, get alerts, set spending limits, and pay your friends back right from your phone.

Earn more on every dollar

You’ll earn extra cash on the balance that’s in your bank account every month—way more than what you'd see with a regular savings account at your local bank. This means more money for fun stuff like weekend getaways or even just a little extra for your everyday spending.

Balance Tiers Dividend Rate1 APY*
$0.01 - $1,999.99 4.00% 4.07%

Earn Dividends with1
No minimum balance required.

No monthly maintenance fees.
$2,000 - $9,999.99 1.49% 4.07% - 2.02%
$10,000 - $14,999.99 0.75% 2.02% - 1.59%
$15,000 and higher 0.05% 1.59% - 0.28%

 

Never miss a payment with Early Pay

You’ll love getting paid early when you direct deposit your paycheck into your new Members Choice Complete Checking® account. Paychecks, monthly government deposits, or any other direct deposit into your account will be paid up to two days early.3  Early Pay is a free feature—there are no fees to use this benefit.

Plus these benefits4



Have a Side Hustle? Check out Side Hustle Banking.™

Balancing a full-time job with a side business is no small feat. That's why we've crafted the ultimate banking solution tailored just for you—the passionate, the ambitious, the side hustler. With Side Hustle Banking™, you can manage your dual income streams with ease and efficiency, ensuring your financial journey is as smooth as your entrepreneurial spirit. 

  • “Duo Discount” Loan Rate Discounts for Side Hustlers: Benefit your pocketbook with exclusive loan discounts for your personal needs. Get .50% in loan rate discounts for a Personal Auto Loan or Personal Unsecured Loan when you have both your personal and business accounts with us.5

Have questions for one of our representatives?

Fill out the short form below to hear back within the next business day.

Are you ready to get rewarded?

Open an account as a new member with one of these easy options

Open a Complete Checking Account Online

Open an Account in a Branch

To apply in person, visit a branch near you.


General requirements

  • No minimum deposit to open
  • No minimum balance requirement
  • Debit Mastercard® (to receive the debit card rewards)

Account requirements to receive monthly dividend payout

  • Total monthly direct deposits of $150 or more
  • Ten or more Debit Mastercard® purchases a month
  • eStatements only


Send and Receive Money with Zelle®
The Fast and Free Way to Send Money to Friends and Family with your Members Choice Checking Account!6 

Why You'll Love Zelle® 

  • Instant Payments: Send and receive money within minutes using just an email address or mobile number.
  • No Extra Fees: Enjoy the convenience of Zelle® with no additional charges.
  • At Your Fingertips: Simply log into your Members Choice online banking or mobile app to get started.

FAQs about Complete Checking

Zelle® is a fast and convenient way to electronically send and receive money with friends, family and others you trust, even if they bank somewhere different than you. You can use  Zelle® to do things like gift people money, pay the sitter, or split the cost of a night out with friends. Zelle® is accessible for members with Members Choice Complete Checking®, Cash Back Checking and Student Saver Checking, and is available in your online and mobile banking account.  

 
How do I enroll in Zelle®?

Step 1: Log in to the MCCU Houston TX app.

Step 2: In the main menu, select "Transfer and Pay". Then "Zelle®".

Step 3: Enroll your email address or U.S. mobile number.

You may also visit the Zelle® enrollment page for more detailed instructions and FAQs. Congratulations! You're ready to start sending and receiving money with Zelle®. Next time you need to be paid back, ask for Zelle®!


How can I access Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into the MCCU Houston TX app or online banking. In the main menu, select "Transfer and Pay". Then "Zelle®".

 

How do I use Zelle®?

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Members Choice Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.

  2. Select Members Choice Credit Union.

  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification—you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Early Pay is a free, automatic feature for Members Choice Complete Checking® accounts. You don’t have to pay a fee to get paid early.
 
Members Choice often receives a message up to two days before your direct deposit to let us know that the money is on the way. When this happens, we can reduce the extra processing time to get your money in your hands sooner.

Possibly. There are a few factors that impact the delivery of your direct deposit. You might get your direct deposit between two days earlier and on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:

  • You recently set up direct deposit for the first time
  • Your deposit type is not eligible, such as a bank-to-bank transfer
  • There’s a payroll system issue from your payer
  • You reached the transaction limit or monthly deposit dollar limit for early processing
  • Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday
To sign up for direct deposit, please contact your employer's payroll department. You will need to provide them with the routing number 313083196 and your 13 digit account number. If your employer requires documentation for initial set-up, you may provide them with a voided check or download the Direct Deposit Instructions Form (PDF).

Our Debit Mastercard® is free and has no limits on how much cashback you can earn. Just use it for your everyday purchases like coffee runs, groceries, or gas, and watch your rewards add up.

Earn unlimited cash back rewards on all Debit Mastercard® purchases2

  • Cashback rate is 0.10% on all debit card related purchases – both in person and online

  • No cashback transaction limitations—unlike other options, there are no monthly purchase limits on your cashback rewards

  • Cashback rewards are paid monthly

For existing members, if you already have a checking account and want to request a checking conversion, use one of these three methods to convert your account to Complete Checking:

  1. Log into your online banking and click on Quick Apply > Account > Open an additional account > Checking > Select the "Converting an existing checking share" dropdown.

  2. Fill out our Checking Conversion form and send it to us via online banking by composing a new secured message.

  3. Fill out our Checking Conversion form and email it to memberservices@mccu.com along with two forms of ID.
urrent Members Choice members, you can “Quick Apply” for a new Complete Checking account in online banking or your mobile app. Login(Opens in a new Window), and select the "Quick Apply" menu, then click on "Open an Account or Loan" to get started.

You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements,
  1. Login to online banking
  2. Select eDocs from the Accounts menu
  3. Select the Delivery Preference you would like to change – either all accounts or just select accounts
  4. Select save
  5. Review and accept to the site terms
If you have questions, please contact Member Services at 281.398.9900 or toll free 800.753.2428, or stop by one of our branches.





Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval. 


*APY=Annual Percentage Yield. National Checking Interest Rate data as of May 20, 2024.


1 Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle.

Complete Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier.


2 Debit Cashback Rewards: If the account qualifications are met for a monthly qualification cycle for the Complete Checking account (monthly eStatements, initiate a minimum of (10) debit card purchases per month, and maintain an aggregate minimum direct deposit of $150.00 to this account per month), you will be refunded .10% of the amount of debit card purchases posted to your account during that cycle. There is no limitation to the amount of cash back you receive in any Monthly Qualification Cycle.


3 Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.


4 ATM Fee Rebates: For any Complete Checking account, if you have met your qualifications during the monthly qualification cycle (monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month), we will reimburse you for ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for one qualification cycle. ATM fee rebates will be transferred to your checking account. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.


5 To qualify for the Duo Discount on your personal account, you need to meet these requirements:
  • Must maintain an average monthly balance of $2,500 in the business checking account for the previous 90 days to qualify.
  • Only members with both the stated business checking account and personal Complete Checking account in good standing qualify.
  • Discounts are for an Unsecured Personal Loan or Personal Auto Loan and can not be combined with any other discounts or offers.
  • If a member qualifies for both, the discount can apply to both loans.
  • The only limit is one unsecured loan discount and one auto loan discount per member.
  • Not offered for business lending.

6 Personal U.S. checking account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Not available on Members Choice business checking accounts. MCCU does not charge any fees for sending money using Zelle. However, your mobile carrier's message and data rates may apply as well as other fees related to your account (e.g., Choice Pay Overdraft Protection, Stop Payment, NSF Fees, etc.).
 
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.