Open Your Wallet
Routing Number: 272479663 Swift Code: MSUCUS44
Open Your Wallet

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Totally Green Checking
Totally Green Checking
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Checking Accounts
Our checking accounts have what you need. Whether you prefer no minimum balance or earning dividends we have the perfect account for you.

Savings Accounts
If you're looking for a savings account, we have standard savings and money market accounts to Certificates, we have a variety of dividend-paying accounts to fit your needs.

Youth and Student Accounts
We offer accounts specifically for youth with catered content and a youth store to reward good savings habits. As well as student accounts with products and specials targeting every stage of your college career.

Specialty Accounts
If you're just beginning to save for retirement, looking for a place to transfer your existing retirement account, or searching for an account that can be used to pay for current or future healthcare expenses, we have accounts for that.

Earns Dividends
Save more with MSUFCU's dividend-earning accounts, from traditional savings accounts to Certificates. Find the one that fits your needs!
24/7 Account Access
Conveniently manage your account with the MSUFCU Mobile app, ComputerLine or one of over 30,000 surcharge-free ATMs nationwide.
Free Credit Score
FREE access to your credit score if you have an active loan or checking account with us.
How can I open an account?
You can open an account online, by phone at 517-333-2424 or 800-678-4968, or you can stop in to any MSUFCU branch.

To open an account in a branch we will need a valid form of identification, personal information such as your social security number, address, income information, phone number, and email address.
What are the differences between Courtesy Pay and Overdraft Protection?
All account types are eligible to set up overdraft transfers from another share or line of credit to cover overdrafts or non-sufficient funds. Overdraft transfers are an avenue for funds to draft from another share in increments of $100 if available.

Courtesy Pay covers ACH withdrawals, check clearings, and most recurring debit card transactions if there are not sufficient funds or overdraft protection available within the account at the time of the withdrawal. The benefit of having Courtesy Pay is that the transaction in question would still be able to clear the account successfully, avoiding any potential charges from the receiving institution. Please note that there is a $30 fee for Courtesy Pay transactions within your MSUFCU account.
Are there service charges for having a checking account?
Totally Green Checking: There are no monthly charges, and no minimum balance when used with electronic statements and direct deposit when available. This account does require the use of a debit card.

Classic Checking: $5 Monthly charge if the account falls below the $500 minimum balance requirement. No debit card required for this account and paper statements are optional.

MoneyMarket Checking: $5 Monthly charge if the account falls below the $2,000 minimum balance requirement. No debit card is required and paper statements are optional. You can earn dividends on balances over $2000.

Rebuild Checking: $10 per month charge. This account is for those rebuilding their financial position.

View our full list of service charges.
Can I open a checking account without a savings account?
Every member is required to open a Spartan Saver account before adding any other type of account. A $5 opening deposit in this account establishes your membership (or ownership) in MSUFCU. If you choose to close your account, this $5 will be returned to you.
How can I access my account?
There are several ways you can access your account:

• Use the MSUFCU Mobile app, ComputerLine®, or MoneyLine for 24-hour account access. Including eDeposit to remotely deposit checks, Member2Member to instantly transfer funds, manage your account and complete transactions, pay bills, set up travel information, lock and unlock cards, find ATMs, and more.

• Use ATMs for deposits and withdrawals. As a member of the CO-OP Network, you have access to nearly 30,000 surcharge-free ATMs across the U.S.

• Visit a Shared Branch to conduct a limited amount of transactions.

• Arrange for direct deposit with your employer directly to your MSUFCU account.

• Your MSUFCU Visa Debit Card can be used for worldwide access to your checking account.

• Contact our Call Center, Chat with Fran, or Video Chat, to receive assistance with setting up online account access, perform a variety of transactions, apply for a new loan, or to receive additional account information.
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