Checking Accounts

We Offer A Wide Range of Services To Meet Your Banking Needs

Whether you enjoy banking on-the-go with our Free Mobile App or in person at your local branch, you'll enjoy everyday convenience with easy 24/7 access to all of your accounts with Mokelumne FCU.

Custom Checking

An account nicely packaged together and offered to our members at no charge. It’s FREE.


  • No Monthly Service Fee
  • 3 Free Monthly, Cashier Checks
  • Free Visa® Debit Card 1
  • No Minimum Balance Requirements
  • Free Check Imaging

  • No Per Check Charge
  • Free MyBanking Services
  • Overdraft Privileges 2
  • Free Quarterly Newsletter
  • E-Statements (required)

Fresh Start Checking

Our Fresh Start Checking Account is designed for those members who have had less than a perfect checking account in the past. It’s time for a fresh start!


  • Minimum Monthly Balance of $50.00
  • $15.00 Monthly Service Fee
  • No Per Check Charge
  • Free MyBanking Services
  • Free Check Imaging

  • Free Visa® Debit Card 1
  • Free Quarterly Newsletter
  • Free E-Statements

Teen Checking 3

Help your teen build good money habits with a Teen Checking Account! It allows teens the freedom to spend money with their own debit card, while still giving the parents control to monitor their spending activity.


  • Teens aged 13 to 17 with a qualified adult co-owner
  • Free Visa® Debit Card
  • Check account activity with Free Mobile Banking
  • Free E-Statements

Seniority Checking

If you are 65 years of age and older, you are eligible for our Seniority Checking!


  • Free Dividend-Bearing Checking
  • No Monthly Service Charge
  • 3 Free Cashier Checks Per Month
  • 1 Free Box of Personalized Checks Per Year
  • Overdraft Privileges 2

  • Free Faxing and Photo Copies (limited service)
  • Free Direct Deposit
  • Free Quarterly Newsletter
  • Discounted Wires
  • Choice of E-Statements or Paper Statements – Free

Visa® Debt Card

Leave the check book at home, take the plastic and convenience with you.

Using a Visa® Debit Card gives you 24/7 access to the funds in your checking account. Quick and convenient, funds are deducted directly from your checking account which helps make keeping track of what you spend a snap.

Benefits of our Free Visa® Debit Cards:
  • Conveniently use your money when & where you want
  • Access to over 30,000 Co-Op ATMs Nationwide-Free of Charge
  • Remote Access to temporarily Disable and Enable your card when needed
  • 24/7 Fraud Alerts and After Hour Support
Mom using her Debit Card at the Grocery Store

Legal Information and Disclosures
  1. Some restrictions apply.
  2. A service fee may be administered for the use of check or draft overdrafts. See our fee schedule for applicable fees.
  3. Checks and Overdraft privileges not offered with Teen Checking. Other restrictions apply. Speak with a Member Service Representative for full details.