MyStyle Checking—It’s Built for Real Life
Quick Summary
Think you don’t need a checking account? Think again. Discover how today’s accounts are more flexible, personal and powerful than ever—and how they can help you move forward on your own terms.
If you’re under the age of 30, there’s a good chance you either don’t have a checking account or you’re not using the one you’ve got to shape your financial future. About 6% of all American adults are unbanked, meaning they don’t have a checking, savings or money market account. That number nearly doubles for adults ages 18-29.¹
While writing checks and visiting a branch may be less common, especially for younger generations. A checking account isn’t just an account anymore—it’s a tool to your life.
The evolution of checking accounts
Checking accounts have come a long way from balancing a checkbook and visiting a branch. Today, people expect to move money instantly, manage their finances from a device and access tools that fit their busy lifestyles. Modern checking accounts are designed to do exactly that.
Here are three ways checking accounts have evolved to meet today’s needs:
Built for how you move money
When it comes to managing money, people want security and easy access. MyStyle® Checking combines both—get paid through direct deposit, pay bills, monitor your spending and send money to friends and family right from the Mountain America app.It’s simpler than you may think
Many people assume checking accounts come with complicated requirements or high minimum balances. Maintaining Mountain America membership requires just a $1 minimum balance, and there are several ways to waive the monthly fee while enjoying all the benefits the account has to offer.A relationship that grows with you
For some, a financial institution isn’t something they think about until they need a car loan, mortgage or other financing. But building a relationship earlier can make those future conversations easier. As your trusted financial partner, we’re here to help you navigate every stage of your financial journey.
Today’s checking accounts are more flexible, accessible and useful than ever. They’re designed to support your everyday life while empowering you to prepare for what’s ahead.
A checking account that works for your lifestyle
MyStyle Checking is designed to be your everyday account, giving you one place to manage the moments and goals that matter most.
Whether you’re paying rent, planning a trip, growing a side hustle or saving for your next big purchase, MyStyle adapts to your lifestyle while providing the tools and benefits you use every day.
MyStyle isn’t just another account. It’s designed to be your primary account. The place where your paycheck lands, your bills get paid, your purchases happen and your goals take shape. With convenient digital tools, person-to-person payments, valuable member benefits and personalized support from Mountain America, MyStyle helps bring your entire financial life together.
What a checking account can do for you
So how does a checking account support your goals in real life? Here are four ways a MyStyle Checking account can guide you forward:
- It gives your money a home (and a plan!).
If you’re getting a paycheck, a checking account can make your life simpler. With direct deposit, your money arrives quickly and securely—no paper checks or extra steps.
From there, you can:
+ Set up automatic bill payments. + Make one-time payments in seconds. + See every transaction anytime. + Keep your financial life together in one place.Beyond everyday transacting, MyStyle also includes access to member benefits that save you money on things like entertainment, gift cards and travel.
- It helps protect what you’re building.
Your money is the cornerstone of your financial dreams, and protecting it matters. MyStyle Checking includes tools like:
+ Identity protection and monitoring.² + Mobile phone protection.² + Loan rate discounts.² + Card manager controls (lock and unlock your card, order a replacement, set travel notices). + Travel and shopping reward opportunities.²Unlike cash or standalone apps, your checking account provides built-in safeguards designed to keep your money secure.
- It keeps your goals in sight.
Achieving your financial goals starts with understanding your spending habits. With a checking account, you can:
+ Track every transaction. + See where your money is going. + Build a budget that works.It’s not just about spending—it’s about awareness, confidence and control.
It grows with you.
A checking account helps you move forward. It starts with your first paycheck. Then it grows with you through bigger purchases, new financial goals and major milestones. It evolves as your life changes.
As your relationship with Mountain America grows, MyStyle grows with you too. From your first paycheck to a future vehicle purchase or mortgage, member benefits like loan rate discounts can provide additional value along the way.²
Why it matters who you bank with
Not all checking accounts—and not all financial institutions—are the same. At a credit union, you’re a member. That means:
- Fewer fees and more flexibility.
- Personalized support when you need it.
- A team that’s focused on helping you reach your goals.
- Local financial expertise backed by a commitment to our membersand communities.
You don’t need a large sum to start a checking account. At Mountain America Credit Union, you can open a MyStyle Checking account with $0. Membership eligibility can be as easy as living in a qualifying area or being connected to an existing Mountain America member.
Now it’s time to make a checking account yours. Shape it around your life, and let it move you closer to what’s next. What will you call yours? Open your [whatever you want] account today.
Meet with a financial guide for free
Think of us as your personal financial coach. Whether you want to budget, reduce debt, work on your credit or learn more about basic finances, we are here to guide you forward.
To meet with a guide virtually or over the phone, schedule an appointment below.
