Checking


MCCU Checking Accounts

In recent months, you may have noticed that the big, national financial institutions are slowly becoming less "free" and more "fee" with their checking accounts. Many of those financial institutions are now imposing monthly service fees or minimum balance requirements. At MMCU, we don't!

Our checking accounts come with no monthly fees or minimum balance requirements as well as many of the other products and features you want.

  • New accounts - 12 free temporary checks upon request

  • Over 32,000 surcharge-free ATMs nationwide via Allpoint systems

  • Over 600 surcharge-free Allpoint network ATMs in the Dallas/Ft. Worth Area

  • Direct deposit

  • Overdraft protection

  • MasterCard Debit Card available

  • Account access through M.A.R.T.I.N., our 24-hour telephone response system

  • Pre-authorized automatic drafts (no charge)

  • Consolidated monthly statements

  • Wire transfer

  • Stop payment

  • Home banking access

  • On-line bill pay

Please see our Fee Statement for any applicable fees, or contact us for more information about our checking account.


MasterCard© Debit Card

In today's busy world, getting access to your cash can be difficult to fit into your demanding schedule. With a MasterCard© debit card from Metro Medical Credit Union, your spending options have increased! You can use your MasterCard© debit card to make purchases and get cash back at many supermarkets, drug stores, and other merchants like Target, Costco, and Walgreen's. MMCU is also part of the Allpoint network, so you can also use your MasterCard debit card at thousands of ATMs across the county. Just call or stop by one of our branches to get your card today!

With our MasterCard© debit card:

  • It is accepted wherever you see the MasterCard© and Allpoint logos

  • Over 32,000 ATM surcharge-free Allpoint locations nationwide

  • Over 600 surcharge-free Allpoint network ATMs in the Dallas/Ft. Worth area

Please contact us if you have any questions about our MasterCard© debit card.


ATM Services

Convenience and value are the cornerstones of ATM service at Metro Medical Credit Union. Our MasterCard debit card allows you access to your cash SURCHARGE-FREE at over 50,000 Allpoint Network ATM machines throughout the US and Canada.

"Surcharge-Free" means that you will NOT pay the charge levied by the bank or location who owns the ATM. Your account will still be charged the $2.00 fee for each non-MMCU ATM.

With Metro Medical’s ATM/Debit Card, you are limited to $2,500.00 in purchases and $500.00 in cash withdrawals over a 24-hour period.

MMCU ATM cards are also welcome at any PULSE, ACCEL/EXCHANGE and ATM machine with a MasterCard logo.

If you use your ATM card at a MMCU ATM machine, there is NO FEE! Those machines are located at:

MMCU - Parkland Branch
Parkland Hospital
5201 Harry Hines Blvd.
Support Services Building B
Dallas TX, 75235
Location: Near the entrance of Support Services Building B.
Parkland Hospital
New Parkland Hospital
5200 Harry Hines Blvd.
Dallas, TX 75235
Location: Inside the New Parkland Hospital near the entrance to the cafeteria on the first floor.
Texas Scottish Rite Hospital
2222 Welborn St.
Dallas, TX 75219
Location: Across from the pharmacy.

You can also download the free Allpoint ATM Locator app for your iPhone, Android and Windows device!

Report a lost or stolen Metro Medical Credit Union debit card by phone at (800) 472-3272.


Direct Deposit

You can arrange to have your payroll, Social Security, pension or any other recurring check deposited directly into your Metro Medical Credit Union checking or savings account. By doing so, you can eliminate the possibility of losing your check and avoid the need to stand in line to cash or deposit it.

Please contact us or view the FAQs page if you have any questions about direct deposit.


Payroll Deduction

When you establish payroll deduction at Metro Medical Credit Union, money is automatically deducted from your paycheck and deposited in your savings or checking account or used to make loan payments. It's an easy way to save or to ensure that you'll never miss a loan payment.

Please contact us for more information on payroll deduction.

*A Paper Statement Fee is assessed to members per statement cycle; ages 18 and over with aggregate deposit balances less than $50,000.00. eStatements are FREE. View our current Fee Schedule.

Thank you for your constant help with my MMCU Accounts

Overdraft Protection

It can be easy to lose track of spending and make an occasional budget oversight. But, it’s also easy to “back-up” your checking account by linking it to your MMCU savings account. If you write a check, authorize a payment or use your debit card to make a purchase when there are not enough funds in your checking account, funds will be transferred from your savings account to your checking account to cover the amount.

Please contact us if you have any questions about overdraft protection, or apply for a Metro Medical Credit Union loan application.


Lost/Stolen Card

Please contact us to report a lost or stolen card.