Everyday Banking That Puts You and the Mohawk Valley Community First!
At Mohawk Valley FCU, managing your money does not feel like a full-time job or cost you a small fortune. Whether you need a hassle-free Checking Account, the convenience of Direct Deposit, or instant debit card access, we have you covered with friendly service and digital tools that make local banking a breeze.
Share Draft (Checking) Accounts
Simple, Rewarding Checking With Zero Hassle
Our Share Draft Checking Account gives you total control over your day-to-day spending without hidden traps. Enjoy real convenience and even earn a dividend on your balance.
Earn Dividends: Competitive earnings on your balance with 0.025% Rate / 0.025% APY*.
Clear Check Images Online: Did you forget who you wrote that check to? No problem! Once it clears, you can easily view check images directly inside Online Banking or our Mobile App.
Convenient Access: Pair your Checking Account with a VisaⓇ Debit Card, Online Banking, and mobile check deposit.
Visa® Debit Cards & Fee-Free ATMs
Seamless Purchasing Power Anywhere You Go
Skip the cash and pay with confidence. Your Mohawk Valley FCU VisaⓇ Debit Card connects directly to your Share Draft Checking Account for quick everyday purchases and instant ATM access.
Accepted Worldwide: Use your card anywhere VisaⓇ is accepted; in person, online, or over the phone.
Co-Op Network Access: Tap into thousands of Co-Op Fee-Free ATMs nationwide, so you can pull out cash without getting hit with extra fees.
Text a ZIP code to 91989 to find a nearby ATM and Shared Branch Locations.
Direct Deposit & Digital Banking Services
Put Your Money on Autopilot and Bank on Your Schedule
Why spend your lunch break waiting in line to deposit a check? Streamline your income and account management with our suite of Direct Deposit and digital tools.
Direct Deposit: Have your paycheck, pension, or Social Security payments deposited automatically into your account for instant, safe access on payday.
Mobile Capture Deposit: Deposit paper checks in seconds using your smartphone camera through our Mobile Banking App—no branch visit needed!
Mobile & Online Banking: Log in anytime to check balances, view recent transactions, track cleared checks, and transfer funds between accounts.
Ready to Get Started? Visit Us Today!
Stop by Our Marcy or Utica Branches to Open Your Account
Stop by Mohawk Valley Federal Credit Union in Marcy or Utica today to open your account and start reaping all the perks of credit union membership!
Rate & Dividend Disclosures
*Rates and Annual Percentage Yields (APY) are subject to change. Dividend rates are accurate as posted. Share Draft Checking Rate: 0.025% | Yield: 0.025% APY. Membership eligibility required. Terms and conditions apply.
Federally insured by NCUA.