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Checking Accounts
MyRewards Checking Account
This is our Rewards Checking Account (S24)
3.26% APY on balances up to $10,000 when qualifications met*
Current share dividend APY on balances over $10,000 when qualifications met *
0.05% APY when qualifications not met
Montana Federal Credit Union's myRewards Checking® program is free checking at its finest, with sky-high dividends and other great benefits like nationwide ATM fee refunds**. Plus, no minimum balance or monthly fees!
All we ask you to do is:
• Have at least 12 debit card transactions post and clear per qualification cycle
• Have at least one direct deposit, one automatic withdrawal, or one online billpay transaction post and clear per qualification cycle
• Enroll and receive eStatements each qualification cycle
*Annual Percentage Yield (APY) accurate as of 05/1/2010. Rate tiers are as follows: 3.26% APY applies to balances of $.01 - $10,000 and our current share dividend APY applies to balances over $10,000 as long as qualifications are met each qualification cycle. 0.05% APY applies to all balances if qualification are not met. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. **ATM fee refunds up to $10 per cycle when qualifications are met.
Bronze Cache Checking Account
This is our free checking account (S10).
- No minimum balance
- No service charge
- No dividends
- Unlimited check writing
- Free ATM/Debit card
- ATM access free at Montana FCU-owned ATM's or $1.50 per transaction at others (Individual ATM's may also charge surcharge)
- Monthly paper statements or E-statements
- Free Online Banking
- Free Online Billpay
Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts
All funds in a "noninterest-bearing transaction account" are insured in full
by the National Credit Union Administration through December 31, 2012. This
temporary unlimited coverage is in addition to, and separate from, the
coverage of at least $250,000 available to members under the NCUA's general
share insurance rules.The term "noninterest-bearing transaction account" includes a traditional
share draft account on which the insured credit union pays no interest or
dividends. It does not include any transaction account that may earn
interest or dividends, a negotiable order of withdrawal account, money
market deposit account, and Interest on Lawyers Trust Account (IOLTA), even
if share drafts may be drawn on the account. For more information about
temporary NCUA insurance coverage of transaction accounts, visit
www.ncua.gov.
Silver Cache Checking Account
This is our checking account geared for ATM users (S30).
- No minimum balance
- Maximum $5.00 monthly service charge
- May earn dividends (See rates for details)
- Unlimited check writing
- Fee free money orders & CUMoney Travel Cards
- Free ATM/Debit card
- No MFCU fee at any ATM (Individual ATM's may charge surcharge)
- Monthly paper statements or E-statements
- Free Online Banking
- Free Online Billpay
Golden Cache Checking
This is our checking for members age 55 and over (S55).
- No minimum balance
- No monthly service charge.
- May earn dividends
- Unlimited check writing
- 3 free boxes of checks per year (Select styles)
- Fee free money orders & CUMoney Travel Cards
- Free ATM/Debit card
- No MFCU fee at any ATM (Individual ATM's may charge surcharge)
- Monthly paper statements or E-statements
- Free Online Banking
- Free Online Billpay
FYI Checking
This is our youth checking for age 16-22. (S16)
- No minimum balance
- No monthly service charge
- No dividends
- Unlimited check writing
- 1st box of checks free (Select styles)
- Free ATM/Debit card
- No MFCU fee at any ATM (Individual ATM's may charge surcharge)
- Monthly paper statements or E-statements
- Free Online Banking
- Free Online Billpay
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