Checking Account

We make it easier to access your money.

You need a checking account that’s a financial resource, not a financial burden. That’s why we offer FREE checking at MWCU to fit your budget.


Standard Checking

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Overdraft Protection

Protect yourself from overdrawing your checking account and incurring unnecessary fees. At MWCU, you can set up overdraft protection that automatically advances from your MasterCard credit card to your checking account when needed. Or if you don’t have a MasterCard credit card with us, the funds will automatically be transferred from your available savings account to balance, up to six times per month, when your checking account draws below zero.

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Direct Deposit

Why make a special trip to the credit union just to deposit your paycheck? Use direct deposit instead! You can have your payroll and other reoccurring payments, such as Social Security, directly deposited into the account of your choice. No more standing in line or worrying about checks getting lost in the mail.
Overtime Checking

Overtime Checking

We know that you work hard and we want to help work "Overtime" for you! Make savings and spending easier while earning interest in your checking account and not having to worry about overdrafts. 

Overtime Checking Interest Form

Let us know how we can help you save and spend easier in 2023 with the Minnequa Works Overtime Checking Account

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*A minimum deposit of $25 in a Share Savings Account is required for Membership with Minnequa Works Credit Union. Limit of 1 Overtime Checking per Member.

**Membership qualifications apply. Inactive Account Fees may apply. Review Minnequa Works Cost Recovery Schedule and Membership Agreement for more information

***Transactions at ATMs not owned by Minnequa Works Credit Union, or not in the Shared Branching Co-Op Network may incur fees by the machine’s owner.

****Dividend earnings on Overtime Checking are available on current Minnequa Works Credit Union rate schedule and are variable and subject to change.

Upon review of accounts, if the Overtime Checking is not maintained with an active Debit Card and eStatements, upon the discretion of Minnequa Works Credit Union, the Checking account will be converted to a Standard Checking Account.

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