Checking Account
Check with us! You'll save time and money with our checking account.

Checking Account

  • No monthly service charge
  • No transaction limitations
  • Open your account with as little as $20.00
  • Visa® Debit Card and ATM Card available(1)
  • Cash access through STAR® and Cirrus® Network ATMs and make withdrawals and deposits at CO-OP ATMs, use this service
  • 24-hour checking account access through Internet Banking & Bill Pay, Mobile App or Text Banking.
  • Convenient Direct Deposit
  • Overdraft Protection available(2)

(note:  If you know your existing Mocse Debit Card Pin number and wish to change it, you can do so at any Mocse ATM)

Traveling Out of the Area?

If you plan to travel out of the area, remember to call our Member Services Department at (209) 572-3600 or 800-44-Mocse to alert them of your travel plans. Steps will be taken to ensure to ensure that you have continued access to your Visa Debit Card while you are out of the area.

Verified by VISA

Register your Visa Debit Card with Verified by VISA. This provides password protection for your debit card when you shop online. Sign up here

(1)Based upon applicant's checking account history and credit worthiness

(2)Overdraft protection sources are your Share Savings Account, Share Money Market Account, your Personal Line of Credit or your Visa Credit Card. Minimum advanced amount is $200 from Share Savings and Visa, $200 from Personal Line of Credit

NOTICE: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account will no longer receive unlimited deposit insurance coverage, but will be NCUSIF-insured to the legal maximum of $250,000 for each ownership category. For more information visit:

Overdraft Privilege 

By selecting to Opt-In, members retain the current access to Mocse's discretionary payments of overdrafts subject to the limitations of Overdraft Privilege.  Your transactions may be approved at our discretion which may be important if you do not have an alternate form of payment to complete your transaction.

Opt-in Today:  
If you have Overdraft Privilege on your checking account and you want us to approve ATM and everyday (one-time) debit card transactions, please complete the Opt-In election form.