Checking Accounts

Account choices as individual as you are.

When it comes to the account you use most, you need a checking account that fits the way you live. All Mill City checking accounts start with a foundation of time-saving convenience and minimal fees. Then we created four distinct checking accounts to fit your unique needs.

All Mill City Checking accounts feature:

  • No minimum balance, minimum deposit or per-check fees
  • Free debit card with access to over 100,000 surcharge-free ATMs and merchants nationwide
  • Convenient account management via Virtual Branch and Mobile Money
  • Electronic bill payment for monthly mortgage, utilities, insurance and other bills
  • Direct deposit convenience
  • Complimentary identity theft protection through LifeStages
  • Account alerts via email or text

iChampions Checking

A basic, free checking account perfect for students or members on-the-go that includes:

  • No monthly service charges
  • $10 credit toward your first check order
  • A $500 personal line of credit1 you can use for overdraft protection or to build credit
  • Courtesy Pay2
  • Purchase fee waived for the Mill City Prepaid Card

Champions Checking

Our interest-bearing checking account offers:

  • Quarterly interest earned on checking balances
  • Courtesy Pay2 and/or a personal line of credit1 for overdraft protection
  • $10 credit toward your first check order
  • No monthly service charges

Champions Checking Plus

Designed for members age 55 and over, this account features all the benefits of Champions Checking, with:

  • Tiered monthly interest earned on checking balances
  • $10 credit toward each check order
  • Unlimited cashiers’ checks

Fresh Start Checking

Designed for members who are looking to rebuild their financial outlook, Fresh Start offers members the opportunity to improve their savings habits in order to transition to a Champions Checking account.

  • Free debit card3
  • Unlimited check-writing privileges
  • Direct deposit required
  • $10 monthly fee; half of total monthly fees are reimbursed once member qualifies for Champions Checking

Open An Account

1 Subject to standard credit-granting criteria.

2 Courtesy Pay Practices

3 Usage restrictions apply.