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Routing Number: 272479663
Swift Code: MSUCUS44
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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.

Your MSUFCU checking account goes wherever you go, with our easy to use Mobile app. Make transfers, pay bills, check your credit score, eDeposit checks, and easily transfer money to other members using Member2Member℠. Plus, you'll enjoy access to over 30,000 ATMs nationwide via the CO-OP Network. Our checking accounts also offer Overdraft Protection and Courtesy Pay features.

Ready to move your checking account to MSUFCU? It's easy!
Direct deposit is the safe, simple way to have your paycheck, federal benefits, or tax refunds deposited automatically to your saving or checking account.
Bill Payment takes the hassle out of paying your monthly bills. Set up payments in ComputerLine to come from your MSUFCU Checking account automatically or as needed.
credit score
At MSUFCU, we think it's important for you to have access to tools that help you understand your credit. One of the tools that we provide is FREE access to your credit score if you have an active loan or checking account with us.
Digital Payments
Enjoy the benefits of your MSUFCU Visa using Apple Pay, Google Pay, Samsung Pay, and Visa Checkout. So you can pay in an easy, secure, and private way on the go!
Paper Statements Icon
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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Terms and Conditions
Apple Pay
Apple, iPhone, and iSight are registered trademarks of Apple Inc. Apple Pay, Apple Watch, and Touch ID are trademarks of Apple Inc.

Google Pay
Google Play and the Google Play logo are trademarks of Google LLC.

Visa Tap to Pay
The Visa Tap to Pay icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of Visa Tap to Pay. Visa Tap to Pay® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The Visa Tap to Pay trademark is owned by EMVCo, LLC.