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 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.
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.
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.
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*.
Knowledge is powerful.
Understanding how to manage your money shouldn’t be complicated. Here’s a variety of topics designed to build your knowledge so you can make the best financial decisions possible.
The Best Insurance For A Stolen Wallet
All You Need to Know About Tech Support Scams
What’s the Difference Between ACH Payments and Direct Deposits?
Disclosures
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*Membership in Mirastar Federal Credit Union is required. Initial deposit may be required to establish membership. 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 to keep your account open. Other fees, such as those for overdrafts, nonsufficient funds, 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/.
Free in-network cash withdrawals available through participating CO-OP Network ATMs. $1,000.00 withdrawal limit per day. Fees for CO-OP deposit adjustments apply, refer to the Fee Schedule. Surcharge fees may apply for use of out of network ATMs. Find a CO-OP ATM at https://www.mirastarfcu.org/locations-atms/.