Checking Accounts
With our free Checking, simplify the way you bank:
No minimum balance requirement, unlimited transactions, and a free VISA® Debit Card make banking easy and convenient.
- Direct Deposit & Payroll Deduction – Automatic deposits foster seamless money management.
- Online Banking – Track your accounts 24/7 from your computer, laptop or tablet. Make Remote Deposits, transfers, check balances, apply for a loan, and more!
- Mobile Banking – Take care of your banking needs right from your smartphone.
- Free Bill Pay – Eliminate check writing and never forget a payment.
- eStatements – Receive your monthly or quarterly account statements securely online and eliminate paper waste.
- ReOrder Checks – just click on the link below!
Please note that if you are ordering checks for the first time, changing your name and/or address, or do not know your starting check number, you will need to contact us directly at 1-800-524-4985
Give us a call at (908) 526-8844 or stop by to open your account today.
Free Checking
Simplify your life…
As a MAFCU member, you can get more out of life and save money with our free Checking Account. Enjoy unlimited check writing, plus conveniences like a VISA® Credit Card, Online Banking, and Bill Pay.
Direct Deposit
Direct deposit is the safest way to receive your pay and helps promote consistent money management. Make deposits into your checking or savings, make loan payments, or save for something special. You also remove the possibility of a lost or stolen check. Ask your employer today to send your pay to your MAFCU account.
VISA® Debit/ATM Cards
Giving you convenient access to your Checking Account, it’s the easiest way to pay. You can make purchases anywhere VISA is accepted or get cash from participating ATMs and Point-of-Sale (POS) terminals. Shop online and gain access to merchants and ATMs worldwide.
eStatements
Convenient eStatements are the safest way to receive your monthly or quarterly account statements. Information can’t be lost in the mail or left unattended in a mailbox.
Payroll Deduction
Have a portion of your pay distributed to your Checking or other MAFCU accounts – divided any way you like. Make loan payments, set a savings goal, contribute to an IRA or Christmas Club, even set up a college savings account.
What is a Checking Account?
Manville Area Federal Credit Union checking accounts are financial products offered by MAFCU to their members. MAFCU is a financial cooperative that are owned and controlled by our members, who are also known as depositors or shareholders. MAFCU offers a range of financial products and services, including checking and savings accounts, loans, and investment options such as share certificates.
Credit union checking accounts are similar to checking accounts offered by traditional banks, but they may offer several advantages over bank checking accounts. Credit unions typically offer lower fees and higher interest rates on checking accounts, as they are not-for-profit organizations and are focused on serving the financial needs of their members. Credit union checking accounts may also offer additional features and benefits, such as free online and mobile banking, free checks, and free ATM access.
Summary
In summary, credit union checking accounts are financial products offered by credit unions to their members. Credit union checking accounts offer lower fees and higher interest rates than traditional bank checking accounts and may also offer additional features and benefits. To open a checking account at a credit union, individuals must first become a member of the credit union and meet any membership and deposit requirements. Credit union checking accounts can be used to conduct financial transactions such as paying bills, making deposits, and withdrawing cash. Some credit unions also offer specialized checking accounts for specific groups or purposes, as well as overdraft protection.
Once a checking account is opened
Individuals can use their MAFCU checking account to conduct financial transactions such as paying bills, making deposits, and withdrawing cash. Credit union checking accounts usually come with a debit card, which can be used to make purchases or withdraw cash from ATMs. Some credit unions also offer check-writing privileges with their checking accounts.
Specialized Checking Acounts
In addition to traditional checking accounts, credit unions may also offer specialized checking accounts for specific groups or purposes. For example, credit unions may offer student checking accounts for young adults, senior checking accounts for older individuals, or business checking accounts for small business owners. These specialized checking accounts may offer additional features and benefits tailored to the needs of the target group.
Overdraft Protection
Credit union checking accounts may also offer overdraft protection is a service that covers transactions that exceed the available balance in the account. Credit unions may offer overdraft protection in the form of a line of credit or a linked savings account. Credit unions may charge fees for overdraft protection, but these fees are typically lower than those charged by traditional banks.
To open a checking account at Manville Area FCU
Individuals must first become a member of the credit union. Credit union membership is typically open to individuals who live, work, worship, or attend school in a specific geographic area, or who belong to a specific group or organization. Credit unions may also have membership requirements based on an individual’s employment or occupation.
Individuals will need to provide identification and proof of membership eligibility. Credit unions may also have minimum deposit requirements for opening a checking account.