Effective 3/18/20, our branches are closed. Our Tech Square branch is available by appointment Monday – Friday 8:30 am – 4 pm. Please call 617-253-2845 for an appointment. Please visit MITFCU.ORG/COVID19Support for more information.

Basic, Plus & Select Checking

MIT Federal Credit Union caters to you with personal checking accounts that offer convenient features and valuable benefits so you can manage your finances easily. Our checking accounts include a choice of debit or ATM card, free access to many electronic or digital services, such as Online Banking, and interest-bearing options. All three accounts offer these features: 

  • Direct Deposit Payroll Checks are express deposited up to 48 hours earlier! Who doesn't want access to their paycheck faster?
  • No limits on check-writing, and no per-check fee
  • Includes your choice of Debit MasterCard® or ATM card to which your checking account is linked
  • Utilize our free Online Banking to manage your personal finances online and through your mobile device
  • We will provide a starter pack of checks if desired. Order additional checks here.
  • Receive free check images to track your activity
  • Debit cards are Wallet Pay enabled (Apple, Samsung, and Android)
  • Allows you to enroll in payroll allocation, direct deposit or ACH

Basic Checking

  • No minimum balance fee 

Plus Checking

  • Maintain a minimum balance* of $2,500 to earn dividends at our current rate

*In the event your balance falls below the required minimum daily balance, Plus Checking accounts will be assessed a $5.00 fee for the month. Fees could reduce earnings on the account. The rate may change after account opening.

Select Checking

  • Maintain a minimum balance* of $10,000 to earn dividends at our current rate

*In the event your balance falls below the required minimum daily balance, Select Checking accounts will be assessed an $8.00 fee for the month. Fees could reduce earnings on the account. The rate may change after account opening.

An MIT Federal Credit Union personal checking account grants access to a wealth of benefits that simplify your financial tasks and enrich your membership with us.

  • Get express delivery of your direct deposit payroll check! No extra steps. When you authorize direct deposit of your payroll check to your MIT FCU checking account, you'll receive it up to 48 hours faster than with many other financial institutions.
  • Receive convenient, surcharge-free ATM access at SUM, CO-OP, and MoneyPass machines throughout the U.S., plus additional ATM access through the NYCE and Cirrus ATM networks
  • Be part of our Smart Money Rewards program when your Checking Account is active and you deposit at least $100 per paycheck using direct deposit
  • Make purchases using your MITFCU Debit MasterCard® wherever MasterCard® is accepted, and use your PIN to get funds from your account during the transaction
  • Sign up for Share-to-Share Non-Sufficient Funds/Overdraft (NSF/OD) Protection or an NSF/OD Protection Line of Credit to avoid costly fees for insufficient funds