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

Check out our Online Banking & Bill Pay tutorials

Checking Account

  • No monthly service charge
  • 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, (ATM Locator)
  • 24-hour checking account access through Online Banking & Bill Pay or our Mobile App.
  • 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 notify the credit union through Online Banking under Settings and then Security & Alerts.  Or 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 that you have continued access to your Visa Debit & Credit Card while you are out of the area.


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

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


Apple Pay

AP Visa webpage


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 contact the credit union at 209-572-3600.


personal checks

Re-order checks online through Deluxe



Co-op ATM

Find an ATM location near you for cash or deposits that are surcharge-free.