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Spending Accounts

It’s free and takes just minutes to open online.

Make your money work for you.

We know how hard you’ve worked for your money, so you shouldn’t have to pay to keep it safe. That’s why our checking account is free.

No Fees

No monthly account maintenance fees*

Our checking account is free. There are no monthly account maintenance fees, so you get to keep more of your hard-earned money.

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No required minimum balance for maintaining the account. A $0 minimum to open account.

You’ll never have to worry about keeping a certain amount in your account.

ATM

Fee free ATMs nationwide*

As a member, you’ll have access to our co-op network of free* ATMs across the country.

Local member services

We’ve been helping our members and communities grow since 1950, and we will always be committed to delivering exceptional, personalized service that inspires the trust and confidence of each member.

We make it easy to manage your account.

A smooth online and mobile banking experience
Manage your money on-the-go with our seamless online and mobile banking services. Conveniently transfer money, deposit checks, pay bills, and monitor your finances 24/7 from wherever you are.

Fraud text alerts
Receive real-time, custom alerts sent straight to your smartphone to help stop fraud in its tracks.

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Apply for a Free Checking* account.

No confusing programs or complicated decisions. Just one checking account that makes it simple to manage your day-to-day finances—and it’s free*.

Apply now

Disclosures

*Membership in Mirastar Federal Credit Union is required. Initial deposit may be required to establish account. Checking does not have a minimum balance required to maintain account, but membership balance is required to be held in Regular Shares savings account. The term ‘Free’ refers to the absence of monthly maintenance fees. Other fees, such as those for overdrafts or additional services, may still apply. For full terms and conditions, refer to the Fee Schedule, Truth In Savings Disclosure and Membership and Account Agreement at https://www.mirastarfcu.org/disclosures/.

Review a copy of the current Fee Schedule.
Review a copy of the Truth In Savings Disclosure.
Review a copy of the Membership and Account Agreement.

Maintenance fees such as Transaction, NSF and/or Overdraft fees may apply. See Fee Schedule and Terms and Conditions denoted under Free Checking* Account of the Truth in Savings Disclosure for more information.

ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including participating 7-11 stores) and POS, $1,000.00 withdrawal limit per day.