What is a Checking Account?
A checking account is a type of account you can open in addition to your share account. It provides quick access to your money through the use of checks and ATM cards.
Our checking accounts conveniently let you write checks or use your ATM card at any electronic point of sale location instead of carrying cash.
ATM cards also allow you to withdraw cash without fees at any MSECU ATM locations and a minimal fee at non-MSECU ATM location
With a variety of accounts to choose from you can choose the account that best fits you!
Do you write just a few checks per month? If so, this “no minimum balance” and “no monthly service charge” account is for you! With a low “per check written” fee, this account is truly economical.
Requirements for Basic Checking Account:
18/65 Checking
Available to members 18 years old and under or 65 years old and over. No per check charge, no minimum balance, no monthly service charge, no charge for basic check order.
Requirements for 18/65 Checking:
- MSECU Share/Savings Account
- Age is under 18 or over 65
Interest Checking
Interest Checking from the Massachusetts State Employees Credit Union may be perfect for your checking account needs. With competitive interest rates and an optional debit card, this account offers a convenient way to manage your personal day-to-day finances.
Requirements for Interest Checking:
Free Interest Checking
Why pay hundreds of dollars a year for checking account fees? Save money and take advantage of the MSECU Free/Interest Checking Account. When you direct deposit your paycheck into the Credit Union you receive a Checking Account with NO minimum balance, NO monthly service charges, AND a MSECU Debit Card.
It’s easy to transfer your checking to MSECU!
Requirements for Free Interest Checking:
- MSECU Share/Savings Account
- Direct Deposit from your paycheck
Want to open an account?
Visit the credit union, call, or Click Here to open a Checking or Share/Savings account today!
Also ask about setting up Direct Deposit too!






Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Massachusetts Share Insurance Corporation
Equal Housing Lender