Checking Accounts


Whether you enjoy doing your banking on the computer, over the internet or in a branch, you will have access to your checking account 24-hours a day.  Visa Debit Cards, Home Banking and Bill Payer are always a free service to Mokelumne FCU checking account holders.

Choose A Plan That Best Fits Your Needs

Custom Checking

An account nicely packaged together and offered to our members at no charge. It’s FREE.

  • No monthly service fee
  • 3 Free Monthly, Cashier Checks
  • Free Visa Debit Card *
  • No minimum balance requirements
  • Free Check Imaging
  • No per check charge
  • Free MyBanking services
  • Overdraft Privileges **
  • Free Quarterly Newsletter
  • E-Statements (required)

Fresh Start Checking

Our Fresh Start Checking Account is designed for those members who have had less than a perfect checking account in the past. It’s time for a fresh start!

  • Minimum monthly balance of $50.00
  • $15.00 monthly service fee
  • No per check charge
  • Free MyBanking services
  • Free Check Imaging
  • Free Visa Debit Card *
  • Free Quarterly Newsletter
  • Free E-Statements

Seniority Checking

If you are 65 years of age and older, you are eligible for our Seniority Checking!

  • Free dividend-bearing checking
  • No monthly service charge
  • 3 Free Cashier Checks per month
  • 1 Free box of personalized checks per year
  • Overdraft privileges **
  • Free MyBanking services
  • Free faxing and photo copies (limited service)
  • Free direct deposit
  • Free Quarterly Newsletter
  • Half price discount on wires (within US)
  • Choice of E-Statements or Paper statements – Free

Debit Card

Leave the Check Book at home, take the plastic and convenience with you.
Most Checkbooks can only do one thing, checking. Our Debit Card does this and much more. When using the Debit Card, you receive faster, more economical, more convenient ways to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. Your register and monthly Credit Union Statement will help you to maintain a balanced account. You can purchase groceries, gas, or anything else wherever VISA, PLUS and STAR are accepted. Plus, Debit Card performs all the functions of an ATM card. It’s the checking withdrawing card all in one.


*Some restrictions apply.
**A service fee may be administered for the use of check or draft overdrafts. See our fee schedule for applicable fees.