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.

Checking

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

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

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Savings

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

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

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Convenience Services

Electronic Services

24-hour ATM/Visa Debit Cards - Use them anywhere you see the VISA logo
Access to more than 40,000 FREE ATM locations nationwide via the SUM and CO-OP Networks
Free 24/7 Online Banking and Bill Pay Service
24-hour Audio Response MERV telephone banking
Direct deposit and funds transfer

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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Locations E-Services Rates Open Account

Financial Hardship FAQS Forms and Applications