Your money when and where you need it
Checking Accounts
Whether you're looking for premium benefits, no fees or student options, Mountain America has a checking account that works for you.
You're valued here
When you open a checking account with Mountain America Credit Union, you receive only the best. Our checking benefits include:
- Free online and mobile banking—Deposit checks, transfer funds, pay bills and more, all from the comfort of your own home.
- Visa® debit cards—Get instant access to your funds for anything from online purchases to grocery shopping.
- Card manager—Freeze your card, change your PIN, request a replacement, set travel notifications and more.
- No minimum balances—Open your account without minimum balance requirements.
- Credit score—Get free access to your FICO® Score in digital banking.¹
Checking Account Types
MyStyle® Checking
Enjoy access to a variety of extra benefits like telehealth, mobile phone protection, loan rate discounts and shopping and entertainment deals.
MyFree Checking
This is a free checking account at its finest. MyFree℠ Checking gives you mobile and online checking features without outrageous fees.
Student Checking
Get the superior benefits and cost-saving features you deserve with Mountain America’s student checking account.
Checking is better here
Opening a checking account with Mountain America is not just about securing your money—it’s about creating a partnership with financial experts who are dedicated to delivering quality service and helping you make your financial dreams a reality.
Checking account FAQs
What are the advantages of using a checking account?
There are many advantages to having a checking account. One of the biggest reasons is to keep your money safe and secure instead of at home where it could be lost or stolen. Every checking account at Mountain America is insured by the National Credit Union Association (NCUA).
A checking account also provides convenient access to your money through digital banking. You can transfer money electronically between accounts, easily pay bills and make purchases online.
What do you need to open a checking account?
To open a Mountain America Credit Union checking account, you will need:
- Valid ID (driver's license, state ID or passport)
- Physical address and address verification
- Social Security number or taxpayer identification number
- Date of birth
- Phone number
- Employment status and employer (if employed)
If you're under 18, you'll also need a parent or guardian as a joint accountholder.
How do I open a checking account?
You can apply for and open a checking account online within minutes. You can also open a checking account by scheduling an appointment at your nearest branch.
Additional resources
Paperless Checking Guide
Master the art of managing a paperless checking account to streamline your finances and reduce clutter.
Essential Bank Accounts
Discover the five essential bank accounts, including checking accounts, everyone should have for optimal financial health.
Checking Account Perks
Ensure your checking account offers these vital benefits to maximize your banking experience and financial well-being.
Business checking that works for you
In addition to personal finances, Mountain America can equip your business for success.Is a Checking Account Necessary for Your Financial Plan?
If you’re new to managing your money, or just want to get your teenagers to start learning about finances, a bank account is a great way to manage your money electronically. Here are some reasons why…Rate & fee schedule | Report fraud
