Mutual Savings Credit Union

Checking Accounts

Mutual Savings Credit Union offers a variety of checking accounts to better serve you and your lifestyle.

Click here to see which checking products earn interest. Apply online or speak to a member service representative today for more information.

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man and woman smiling at tablet with debit card in hand
Total Checking

Be Safer. Spend Smarter. It’s Simple!

Total Checking makes it simple to keep your finances safer and take advantage of smart discounts on financial services and everyday purchases.

Save when you bank

  • e-Statements
  • MasterCard® Debit Card
  • Bill Pay
  • Mobile Deposit
  • Mobile, Home, and Telephone Banking

Save when you play

  • Travel and Leisure Discounts
    Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (available mobile or web only)
  • $hopping Rewards™
    Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (registration/activation required; available via mobile or web only)
  • Fuel Savings1
    Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly.
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Help protect your identity

You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service2, can help better protect your identity.

  • Identity Theft Expense Reimbursement Coverage3
    Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
  • Comprehensive Identity Theft Resolution Services
    Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
  • Debit and Credit Card Registration
    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
  • Credit File Monitoring
    Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
  • Credit Report and Score4
    Access to credit report and credit scores.
    (registration/activation required)
  • Credit Score Tracker
    Receive valuable insight into your credit score4,5.
  • Identity Monitoring
    Monitoring of over 1,000 databases. (registration/activation required)
  • Financial Wellness 360º
    Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available via mobile or web only)

Helps with
unexpected losses

  • Cellular Telephone Protection3
    Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using Total Checking.)
  • Roadside Assistance Service3
    24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.
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All for a low $6.00 monthly fee. However, the monthly fee may be waived by maintaining a $2,500 average daily balance within your Total Checking account.

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1 Restrictions apply. Go to for details. Total Checking members who activate this offer will receive Extended Gold Status at participating Shell stations.
2 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
4 You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
5 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month
to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
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Essential Checking

Mutual Savings’ Essential Checking is a simple solution to your everyday checking account needs. Our Essential Checking account is a no-nonsense account and popular due to benefits that include:

Benefits For You:

  • No minimum balance requirements.
  • Free home & mobile banking.
  • Mobile deposit.
  • Free online Bill Pay.
  • Free Mastercard® debit card.
  • Free e-Statements.

All for a low $4.00 monthly fee. However, the monthly fee may be waived by signing up for e-Statements.

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Second Chance Checking
If you’ve struggled with a checking account in the past, and have found it difficult to open a new account, Second Chance Checking at Mutual Savings might be the solution for you. With an opening deposit of $100.00, you’ll be on your way to having the convenience a debit card and checking account provides.

Benefits For You:

  • No minimum balance required.
  • $16.95 monthly service charge.
  • Free debit cards.
  • Free mobile, home and telephone banking.
  • Mobile deposit.
  • Free Bill Pay.
  • Free e-Statements.

Please click the image below to reorder your personal checks.

Reorder checks

You’re Welcome Here

Ready to get started?
At Mutual Savings Credit Union, we can fit your needs with our various loan types. With affordable monthly payments, let us work harder for you.

You’re Welcome Here

Ready to get started?
At Mutual Savings Credit Union, we can fit your needs with our various loan types. With affordable monthly payments, let us work harder for you.