MSU Federal Credit Union

Totally Green Checking

Our most popular checking option has no minimum balance or monthly fee. Access your account from anywhere using the MSUFCU Mobile app. Make transfers, pay bills, check your credit score, eDeposit checks, and easily transfer money to other members using Member2Member℠. With a Totally Green Checking account a debit card, opting into receiving eStatements & eNotices, and direct deposit (if available) are required.

• Tap to Pay
• No monthly fees or minimum balances
• Access to over 30,000 ATMs nationwide via the CO-OP Network
• eStatements
• Free credit score

Apply for your Totally Green Checking account by clicking the Add to Wallet button below, by phone, or at any branch location.

Add to Wallet

+ —

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 fees from the receiving institution. Please note that there is a $30 fee for Courtesy Pay transactions within your MSUFCU account.

+ —

Are there fees for having a checking account?

Totally Green Checking: No monthly fees, and no minimum balance
Classic Checking: Monthly fee of $5, if the account falls below the $500 minimum balance requirement
MoneyMarket Checking: Monthly fee of $5, if the account falls below the $2,000 minimum balance requirement
Rebuild Checking: $10 per month fee

+ —

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

Disclosures