A great way to get back into checking.

  • No per-check fees or minimum balance requirements
  • Free use of MSGCU ATMs and access to nearly 30,000, free ATMs nationwide
  • Overdraft protection available from a Savings Account (fees may apply*)
  • Automatically save with Roll up the Change
  • 1/4% APR Member Loyalty Discount** on Michigan Schools & Government Credit Union loans
  • Low monthly service charge
 

There are many great electronic banking features associated with our Fresh Start Checking Account. MSGCU members get a free ATM/Debit Card issued on the same day of account opening that is compatible with most mobile wallet apps. They have free access to Online Bill Pay and can conduct banking business 24 hours a day with Online Banking, Mobile Banking and Text Banking.

Swipe for a cause this fall

locks of love logo     


From September 1st to November 30th, one cent+ of every purchase made with MSGCU debit and credit cards will be donated to Locks of Love. Locks of Love helps children suffering from medical hair loss by providing them with high-quality hairpieces at no charge.
 

icon: stopwatch showing 5 minutes Want to learn more about checking accounts? Take this 5-minute interactive lesson.


Grow your Savings with Roll Up the Change

Choose to round up every purchase made with your MSGCU debit card to the nearest dollar, then watch your savings grow as the change is automatically transferred into your savings account.

  • Opt-in to activate this feature on your checking account. Opt-in and opt-out can be completed at any branch office, Call Center, or through Video Banking.
  • Roll up the Change will be activated on all debit cards associated with your checking account.
  • The change from your purchase will be automatically transferred from your checking account to your primary savings account.

*See all MSGCU Service Fees
**APR=Annual percentage rate. Member Loyalty Discount requires Automatic Loan Pay from your MSGCU account.
+MSGCU will donate $0.01 to Locks of Love, on every purchase made between 9/1/2024-11/30/2024 with a Titanium Visa Credit Card, Rewards Visa Credit Card, Classic Visa Credit Card, Regular Checking, Achieve, Fresh Start up to a maximum donation of $5,000. There is no substitute for this donation and members cannot opt to receive it directly. Contact a Member Service Representative for more details.