A Checking account that pays you.
Enjoy a checking account that earns interest and all the conveniences you deserve.
Choose your checking account.
Both Plus and Select Checking Accounts enjoy:
24/7 Account Access. Access your account with mobile and online banking anytime, anywhere.
5,600+ branches & 30,000 ATMs. MIT FCU has branches and ATMs across the country. Regardless of your location.
Insured by the NCUA. Insured by the NCUA up to $250,000.
Plus Checking Account
Earn a flat rate of dividends when you maintain a minimum balance of $2,50030.
Open accountSelect Checking Account
Earn a tiered level of dividends when you maintain a minimum balance of $10,00030.
Open account| 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 |
Smart 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
Features
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 readingNeed 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 here 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 Much Should I Keep in My Checking Account?
Here are three reasons you want to keep your checking account well-padded at all times.
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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.
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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!