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Whether you’re financing big dreams or managing day-to-day banking, let's make it happen. We offer three best-in-class checking options with benefits for students, Express Payday, and no minimum balance required to open.

Open Your Account Today                     

 Open Account                              



Mastercard® Debit Cards

Make purchases and withdraw funds. Compatible with Apple Pay®, Google Pay™, and Samsung Pay®.


No Minimum Balance Required

No minimum balance or monthly maintenance fees when you open a basic checking account.


24/7 Account Access

Access your account with mobile and online banking anytime, anywhere.



checking account



Express Payday

Get paid up to two days early for all preauthorized ACH direct deposit transactions.**


5,600+ branches & 30,000 ATMs

MIT FCU has branches and ATMs across the country. No matter where you go, we'll be there.


Overdraft Protection

We've got you covered. Avoid costly fees when you overdraw your account.
Learn more



Choose Your Account


Basic Checking


Plus Checking


Select Checking


Smart Money Rewards Checking - With direct deposit of at least $100/mo you will receive the following rewards:

Overdraft Protection - Avoid costly fees for insufficient funds.

Debit Mastercard® & ATM Cards 

  • Reimbursement up to $5 in ATM surcharges each month on out-of-network ATMs (after 8 free out-of-network transactions)
  • Free replacement of your lost, stolen, or damaged MIT FCU ATM or Debit Mastercard® (up to 2 replacements per year)
  • Free starter box of basic, single checks. Please contact us at 781-423-2022 for assistance with your order
  • Surcharge free access: SUM, CO-OP, MoneyPass, NYCE, and Cirrus network ATM Machines, plus 8 free ATM transactions at non-network ATMs per month
  • Enhanced card fraud protection


Need to Order Checks?

Now offering checks through Main Street, Inc. All first-time orders with Main Street will be required to start with Check #101.

If your last order of checks was placed prior to 02/01/2022, please contact us by chat bubble, visit a branch, or call (781-423-2022 Mon-Fri 8 am-5 pm EST) for assistance in placing your order with Main Street, Inc.

Members are able to re-order checks online. Click here to re-order checks or view your order status online.


MIT FCU is federally insured by the NCUA

*There is no minimum balance to open a Checking Account with MIT Federal Credit Union. To earn dividends on either Plus Checking or Select Checking, you must maintain the Minimum Daily Balance as indicated. No dividend will be paid on days when the balance falls below the required minimum. No dividends are paid on the Basic Checking account. Fees: Plus Checking - $5.00 monthly fee if the daily balance falls below $2,500 at any point in the month. The fee will be withdrawn from your checking account. Select Checking - $8.00 monthly fee if the daily balance falls below $10,000 at any point during the month. The fee will be withdrawn from your account. The rate may change after account opening. Fees could reduce earnings on the account.

**Express Payday - Preauthorized ACH credits received by MIT Federal Credit Union may be credited to your account up to two business days prior to the originally scheduled posting date. If information is not received ahead of time your deposit will not be posted early. Instead, your direct deposit will be posted on your normal payday or as soon as we receive it. MIT Federal Credit Union is not liable if we do not receive the preauthorized credit or fail to deposit these funds to your account early. Please always verify funds are available in your account prior to writing checks or authorizing withdrawals against directly-deposited funds. You are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.

 Apple Watch and Apple Pay are registered trademarks of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd

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