Get more with our Basic Checking account
No minimum balances, no monthly maintenance fees30, and you can manage your money when and where you want.
Get more with our Basic Checking account.
Whether you're funding lofty goals or handling everyday banking, let's make it possible with a personal checking account from MIT FCU.
No maintenance fees or minimum balance requirements30
Stop paying those fees to your bank with our no-hassle checking accounts.
24/7 Account Access
Access your account with mobile and online banking anytime, anywhere.
Mastercard® Debit
Make purchases and withdraw funds. Compatible with Apple Pay®, Google Pay™, and Samsung Pay®3.
5,600+ branches & 30,000 ATMs
MIT FCU has branches and ATMs across the country. Regardless of your location.
Receive your paycheck up to two days early!
When you set up direct deposit, you can get access to your paycheck up to two days early.31
Insured by the NCUA
Insured by the NCUA up to $250,000.
| Product | Minimum Daily Balance to Earn | Dividend Rate | APY 10 | Apply Now |
|---|---|---|---|---|
| Select Checking | $100,000.00 | 0.05% | 0.05% | Open account |
| $50,000.00 | 0.05% | 0.05% | Open account | |
| $25,000.00 | 0.05% | 0.05% | Open account | |
| $10,000.00 | 0.05% | 0.05% | Open account | |
| Plus Checking | $2,500.00 | 0.05% | 0.05% | Open account |
| Basic Checking | N/A | N/A | N/A | Open account |
Looking for more with your checking?
Choose one of our interest bearing checking accounts.
Get your credit score and more
Receive your credit score and more with an MIT FCU account. Just enroll through mobile and online banking.
- Get daily access to your credit score.
- Daily credit report monitoring.
- Financial checkup with detailed spending and cashflow overview.
- Credit score simulator to help plan how to improve your score.
Special benefits just for students
At MIT FCU, we understand your unique banking needs. This account is specifically for students aged 16 to 23. In High School or away from home at college, we have you covered.
- One free incoming wire per semester
- No fee for overdrafts under $10.00
- Up to 8 free withdrawals/month at any ATM
- Free replacement Mastercard debit/ATM card (up to 2 free per year)
- Free cashier's checks
- No minimum balance
Always have a way to pay available with Mobile Wallet.
Mobile wallets offer a safe, convenient way to pay with your MIT FCU cards. Our debit card can be used with Apple Pay®, Google Pay™, and Samsung Pay®3. Set up is easy and can be done in seconds.
Continue readingSmart Money Rewards Checking-
With direct deposit of at least $100/mo you will receive the following rewards:
Overdraft Protection - Avoid costly fees for insufficient funds.
Debit Mastercard® & ATM Cards
- Reimbursement up to $5 in ATM surcharges each month on out-of-network ATMs (after 8 free out-of-network transactions)
- Free replacement of your lost, stolen, or damaged MIT FCU ATM or Debit Mastercard® (up to 2 replacements per year)
- Free starter box of basic, single checks. Please contact us at 781-423-2022 for assistance with your order
- Surcharge free access: SUM, CO-OP, MoneyPass, NYCE, and Cirrus network ATM Machines, plus 8 free ATM transactions at non-network ATMs per month
- Enhanced card fraud protection
Need to Order Checks?
Now offering checks through Main Street, Inc. All first-time orders with Main Street will be required to start with Check #101.
If your last order of checks was placed prior to 02/01/2022, please contact us by chat bubble, visit a branch, or call (781-423-2022 Mon-Fri 8 am-5 pm EST) for assistance in placing your order with Main Street, Inc.
Members are able to re-order checks online. Click below to re-order checks or view your order status online.
Bank when and where you want.
With mobile and online banking, two convenient branches on campus, access to over 30,000 ATMs, and 5,000 branches nationwide.
Download our highly rated mobile app!4
Financial Wellness
How to Teach Your Kids About Money
Some experts say that children's money habits are formed by the time they are seven, so it's best to start early.
Continue reading
The Importance of Being Financially Fit
Are you ready to stretch those financial fitness muscles? We hope so, because it’s time to get financially fit!
Bank when and where you want.
With mobile and online banking, two convenient branches on campus, access to over 30,000 ATMs, and 5,000 branches nationwide.
Download our highly rated mobile app!4