Welcome to the new Monterra Credit Union website
We’re ready to improve your banking experience with our new and improved website. Take a tour to see what changes have been made and where you can find the products that you’re most interested in.
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Compare Checking Accounts
Find the checking account that best fits your needs
Our options let you manage money the way you want, without the fees.
Premium Checking
Earn 3.50% APY* by doing the things you already do.
Free Checking
Get a totally free checking account so you can focus on what matters most to you.
Student Checking
Manage your money with the technology you expect and none of the fees.
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Premium Checking
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Free Checking
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Student Checking
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| Earns interest | ||
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3.50% APY*- no maximum balance |
No interest paid |
No interest paid |
| Monthly service fee | ||
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Free - no monthly fee |
Free - no monthly fee |
Free - no monthly fee |
| Minimum Opening Deposit | ||
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$20.00 |
$20.00 |
$20.00 |
| ATM Access | ||
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Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card | ||
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Free and accepted at over 23 million locations worldwide |
Free and accepted at over 23 million locations worldwide |
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay | ||
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Free and simple to use to check balances, transfer money, pay bills, and more |
Free and simple to use to check balances, transfer money, pay bills, and more |
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit | ||
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Free and convenient for banking on the go – you can even deposit a check |
Free and convenient for banking on the go – you can even deposit a check |
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts | ||
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Free and easy to set up; stay aware of account and card activity to avoid fraud |
Free and easy to set up; stay aware of account and card activity to avoid fraud |
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts | ||
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Free service that alerts you immediately about any suspicious purchase(s) |
Free service that alerts you immediately about any suspicious purchase(s) |
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection | ||
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Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering | ||
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Premium Checking
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|---|
| Earns interest |
|
3.50% APY*- no maximum balance |
| Monthly service fee |
|
Free - no monthly fee |
| Minimum Opening Deposit |
|
$20.00 |
| ATM Access |
|
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card |
|
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay |
|
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit |
|
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts |
|
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts |
|
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection |
|
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering |
|
|
Free Checking
|
|---|
| Earns interest |
|
No interest paid |
| Monthly service fee |
|
Free - no monthly fee |
| Minimum Opening Deposit |
|
$20.00 |
| ATM Access |
|
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card |
|
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay |
|
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit |
|
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts |
|
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts |
|
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection |
|
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering |
|
|
Student Checking
|
|---|
| Earns interest |
|
No interest paid |
| Monthly service fee |
|
Free - no monthly fee |
| Minimum Opening Deposit |
|
$20.00 |
| ATM Access |
|
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card |
|
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay |
|
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit |
|
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts |
|
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts |
|
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection |
|
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering |
|
Premium Checking makes it easy to earn 3.50%APY*
- Make 10 or more Visa® Debit Card purchases each month
- Make one or more direct deposit, ACH or payroll deposits each month – any amount
- Select eStatements instead of mailed statements
Additional Options
Banking for real life. Start here.
Invested in you.
We invest in the success of people and our community by:
- Giving back
- Making things easier
- Committing ourselves to our members' potential
*APY = Annual Percentage Yield as of 10/02/23; subject to change. 3.50% APY paid if three monthly (statement cycle) requirements are met, as follows: (1) 10 or more debit card purchases or debit card payments are posted (ACH/bill pay payments and ATM transactions are not counted toward the monthly requirement), (2) one direct deposit, payroll deposit, or external ACH transfer is received, (3) eStatements are selected. All requirements must be applied to the Premium Checking account. If the monthly (statement cycle) requirements are not met in their entirety, the APY paid will be 0% for that statement cycle. Limit one (1) Premium Checking account per membership.
