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Checking and Savings

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We understand how busy your life is—and we want to make it easy for you to manage your everyday finances with free checking, savings and convenience services.  Our accounts are designed to help you simplify your finances and your life.  Open an account online or at your nearest branch.


Free Checking

  • No per check fee
  • No minimum balance
  • No monthly maintenance fee
  • Free checks when you use direct deposit
  • Free checks for senior members
  • Free e-statements
  • Minimum opening deposit is $25

Electronic/Automated Services

  • Free ATM/Visa Debit Card
  • Free Online or Mobile Banking
  • Free Bill Payment
  • Free ATMs at 40,000 FREE ATM locations nationwide via the SUM and CO-OP Networks®
  • Free deposits through the NYCE Share Deposit Network
  • Free overdraft protection from designated savings accounts
  • Direct Deposit and ACH transfers
  • Free monthly statements via mail or email
  • Added account protection with Courtesy Pay



Main Savings

  • $5 to open – which gives you a share/ownership in Merrimack Valley Credit Union
  • Earn dividends
  • Deposit and withdraw funds at anytime
  • 24-hour ATM access
  • Insured by NCUA for up to $250,000 and MSIC over $250,000

Premium Savings

  • Get a higher rate and earn more
  • No minimum balance
  • Deposit funds at anytime
  • One free withdrawal per month
  • $5 fee for each additional withdrawal

Savings Clubs

  • Vacation and holiday savings clubs
  • No minimum deposit
  • You can deposit funds at anytime
  • Elect weekly or monthly automatic deposit transfers


Convenience Services

Electronic Services

Other Services

  • VISA® Gift Cards
  • Free notary service for members
  • Payroll deduction
  • Safe deposit boxes in select branches
  • Savings life insurance
  • Signature guarantee
  • Wire transfers
  • Free use of our coin machine at our Haverhill, Lawrence, Methuen, North Andover and Plaistow branches
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