Student Checking

Forget about one-size-fits all checking accounts. Mountain America has a better way—MyStyle Checking. Perfect for student life.

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Checking Accounts, Like Clothing, Shouldn't Be One-size-fits-all

Pick from features like Visa® Debit Cards, online banking, bill pay and eStatements—and then earn rewards on top of that.

In fact, you can customize your MyStyle Checking Account with:
  • Online shopping credits
  • Cash gifts
  • Loan discounts
  • Credit monitoring
  • I.D. protection
  • Interest-earning options
  • And too much more to list here! 

No minimum balance. And no doubt this is the best checking account you'll ever have.

Repeat, NO minimum balance required to open your account and NO minimum requirement to maintain your account. Say hallelujah. And say hello to the checking account that gives you freedom, flexibility and a genuine feeling of satisfaction.

Calculate Your Rewards

Calculate Your MyStyle Rewards

calculator With MyStyle Checking, the more products and services you have with Mountain America, the more rewards you automatically qualify for. Select the products and services you have (on the left) to see what rewards you can get (on the right).

Don’t have enough points to get what you want? No problem. Simply open more qualifying products or services or add them to your account à la carte.

1

Choose Products or Services

Choose at least 4 products and services
(one point per selection):

Points Earned:

0

Reset

2

Choose Rewards

For each of the products or services you use, you will receive one point. You may use these points to “purchase” specific rewards. Each reward has a value of 2 points or more. You may select from a variety of rewards including:

Points Used:

0

Cash used: $

4*

  • 2 Point Rewards

  • 3 Point Rewards

  • 4 Point Rewards

  • 7 Point Rewards

*A minimum of four eligible products and services required to waive the $4 monthly fee for MyStyle Checking. Additional MyStyle points can be purchased at $1 per point per month. To qualify to purchase additional points, members must have a minimum of 4 qualifying MyStyle products and services.

3

Download and print results

Simply print this page and bring it to your nearest branch. Or call us toll-free at 1-800-748-4302.

What Are the Qualifications for MyStyle Checking?

When you enroll in MyStyle Checking, you must have a minimum of four eligible products or services to waive the $4 monthly fee. Each product or service has one (1) point value toward the “purchase” of a reward. Additional MyStyle points can be purchased at $1 per point per month. To qualify to purchase additional points, members must have a minimum of 4 qualifying MyStyle products and services. The following is a list of eligible products and services:
  • Direct Deposit—Have direct deposit ≥ $100 per month. May be deposited into any share.
  • Bill Pay—Make at least one payment using online Bill Pay each month.
  • Debit Card—Have a Debit Card and complete at least one transaction using the card each month.
  • HELOC—Have an active Home Equity Loan on your account (i.e., carry a balance or complete at least one transaction each month).
  • Credit Card—Have an active Visa credit card (i.e., carry a balance or complete at least one transaction monthly).
  • Online Relationship—Access your account through Online Branch at least once each month.
  • eStatements—Statements received online. 
  • Senior Discount—Primary member on the account is 60 years of age or older.
  • Minimum Balance $500—Maintain an average daily balance of $500 in combined deposits.
  • Mobile Check Deposit—Deposit a check using mobile deposit at least once each month.
  • Investments Relationship—Maintain an investments relationship with LPL Financial at Mountain America.

What Rewards Are Offered?

For each of the products or services you use, you will receive one point. You may use these points to “purchase” specific rewards. Each reward has a point value ranging from 2-4 points. You may select from a variety of rewards including:

2 Points

  • Free Checks—One box of Exclusive Specialty MACU personal checks per month. Interest on Account—Checking account receives interest on balances ≥ $1,000 (rate based on monthly rate sheet).
  • ID Restorationsm —ID Theft Restoration premiums paid monthly by MACU.
  • Paper Statements—Paper statement will be mailed to you each month.
  • Interest on Account—Checking receives interest on balances of $1,000 and up (Rate based on monthly rate sheet). 

3 Points

  • 1 Overdraft Fee Reversal Per Year—One overdraft (ODP) or unpaid (NSF) fee automatically reversed annually.
  • Refund Foreign ATM Fees—Up to $15 in foreign ATM fees (non-CO-OP® Network) refunded automatically per year.
  • No Fee for Visa Prepaid Gift Card—Fee waived for purchase of up to 10 Visa Prepaid Gift Cards annually.

4 Points

  • $25 Anniversary Gift—You receive a $25 deposit into the checking account annually. (Will be reported on a 1099-INT.)
  • ID Protect Plussm  with ID Restorationsm  —ID Protect Plussm  with ID Restorationsm  premium paid monthly by MACU.
  • Online Shopping Credits—$3 Amazon.com® Gift Card or iTunes® credit awarded each month (Will be reported on a 1099-INT).
  • Discount on Most Consumer Loans—.25% Discount and Family Extension Benefits on most consumer loans.

7 Points

  • ID Protect Premiumsm  with ID Protect Plussm   — ID Protect Premiumsm  with ID Protect Plussm  & ID Restorationsm  premium paid monthly by MACU.

Get the checking account that truly fits you!

$2 monthly fee required to receive paper statement.
Variable Rate Information: The Annual Percentage Rate may increase or decrease if the Prime Rate Index "PRI" increases or decreases. The Prime Rate Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will choose a new index which is comparable to the index described herein.
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