Turn pennies into fortunes
with a Love Our Community Checking account
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1
Use your Mocse debit card
for everyday purchases like groceries, gas, or coffee.
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2
We round up
each transaction to the nearest dollar.
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3
That change goes into your high-yield savings account.
Over time, it adds up to a small fortune.
More benefits
We donate 1¢ to Love Stanislaus Count with each debit card purchase—at not cost to you.
No monthly fees.¹
Access 30,000 CO-OP® ATMs across the country.
Get direct deposits up to two days early.²
Stay protected from overdraft fees.³
Make your change work for you
You probably ignored a penny today. Dropped one in your car. Stepped over one on the sidewalk. Maybe even tossed one in a tip jar just to get rid of it.
But when enough of those tiny coins come together, they can do something amazing.
With the Love Our Community Checking Account’s optional Round Up to Rewards feature, every time you use your debit card, your purchase rounds up to the nearest dollar—and that spare change goes straight into a high-yield savings account. Your pennies are put to work, while you go on living your life.
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¹ Based upon applicant’s checking account history and credit worthiness.
² With Early Direct Deposit, Mocse may make incoming direct deposits made through ACH available for use up to two days before the scheduled payment date to a checking account in good standing. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. The timing of funds availability may depend on when Mocse receives the originator’s instructions, any limitations set on the amount of early availability, and fraud prevention screening. Funds not eligible for Early Direct Deposit or credits to your account, include deposits of physical checks or remote check deposits, and other online transfers or electronic credits.
³ Overdraft protection sources available include: Savings Account, Money Market Account and Personal Line of Credit. Minimum advanced amount is $200 from these overdraft sources.
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Rates effective as of: April 29, 2025
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