Checking Accounts
You have choices when you're a member of Merrimack Valley Credit Union (MVCU) and Bridgewater Credit Union, a division of Merrimack Valley Credit Union (BCU)! Find the best fit for you with our three checking accounts:
Free Checking*
Benefits
- Round up your savings: Round up your debit card transactions to the nearest dollar and the extra change will be deposited into your savings account! Learn more & enroll today!
- Free standard checks
- 0.25% discount on consumer loans.**
Requirements
- Minimum $25.00 deposit to open.
Interest Checking
Benefits
- Earn interest
- Round up your savings: Round up your debit card transactions to the nearest dollar and the extra change will be deposited into your savings account! Learn more & enroll today!
- Free standard checks.
- Up to $10/month ATM reimbursements.**
- 0.25% discount on consumer loans.***
Requirements
- Minimum $25.00 deposit to open.
- Enroll in online banking.
- Enroll in eStatements.
- Direct deposit of any amount (or a deposit of at least $750/month)
- $1,000 average daily balance to receive ATM surcharge reimbursements.
You have 60 days to complete the requirements. If this account isn't the best fit for you, you'll be converted to the Free Checking account.
Student Checking
Benefits
- Free standard checks.
- Up to $10/month ATM reimbursements.**
Requirements
- Minimum $25.00 deposit to open.
- Must be 16-24 years old.
You'll be converted to the Free Checking account when you turn 25.
All members with checking accounts are eligible for:
- 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
*Other fees that are not categorized as maintenance or activity charges may apply (for example, insufficient funds or stop payment). See fee schedule for details.
**ATM surcharge reimbursements only available with Interest Checking and Student Checking accounts.
***Consumer Loan Discount applies only to auto and personal loans. It cannot be applied to any other type of loan or line of credit.
