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Routing Number: 272479663 Swift Code: MSUCUS44
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Totally Green Checking
Totally Green Checking
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Rebuild Checking
MSUFCU's Rebuild Checking Account is designed for members who need assistance rebuilding their financial position. This checking account is unique in that it allows you to build a positive relationship with us while we help you every step of the way.

• Direct Deposit
• Write personal checks from your account
• ATM Card (withdraw access only)
• 24/7 account access
• Free credit score
• $10 fee per month

Apply for your Rebuild Checking account by clicking the Open an Account button below, by phone or at any branch location.

Check Styles

MSUFCU offers exclusive Michigan State University themed checks that can be issued for your checking account.

Select exclusive MSU check styles, or choose from additional options. Just sign into ComputerLine to view all check styles and place your order today! Once signed into your account select Manage from the top menu and click Order Checks from the MSUFCU Services section. Checks can also be ordered at a branch or by calling 800-678-4968 or 517-333-2424.
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 protection from another share or line of credit to cover overdrafts or non-sufficient funds. Overdraft Protection is 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.
View All FAQs
Members demonstrating consistent, positive use of their Rebuild Checking account will be eligible for a Totally Green Checking account. MSUFCU holds the ability to terminate the membership of any Rebuild Checking account holder at anytime due to account negligence or misuse. Certain services and products such as Courtesy Pay, Visa Debit Card, Point of Sale Returns, ATM deposits,and eDeposit are not available to members holding a Rebuild Checking account.