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Checking Accounts

Love Our Community Checking with Roundup Rewards

You get paid, and we donate to your community. Pretty awesome for a free checking account, eh?!


No Monthly Fees

You work hard for your money, and we want you to keep it. Love Our Community Checking comes with a bunch of great features, and no monthly fees[1].


Round Up to Rewards

With optional Round Up to Rewards, you can elect to have your debit card purchases rounded up to the nearest dollar, with the difference deposited into a high-yielding Member Rewards account.


Free ATM Access Nationwide

When you have an account with us, you can have free nationwide ATM access at 30,000 CO-OP® ATMs, allowing you to withdraw funds when you need, even while travelling.


Overdraft Protection Options

We offer overdraft protection options[2] to help protect yourself if your current balance does not cover a purchase.


Online and Mobile Banking

View your balance, make payments, and transfer funds from the comfort of your home, office, Nuts game, fruit stand...or, anywhere, really.


Help Us Give Back

Open a Love Our Community Checking account and we'll donate $.01 to Love Stanislaus County with each debit card purchase - at no cost to you!

Love Our Community Checking

Help us give back to the community you love

You can make your purchases worth more for those in the community. With each debit card purchase you make, Mocse will donate $.01 to Love Stanislaus County, which helps foster youth, creates volunteer service events, assists seniors, and more. This donation is no cost to you. Plus, you get free e-Statements, Apple Pay® and Google Pay™, and more.

Checking feature 1
Round Up to Rewards

Use the optional Round Up to Rewards feature, and supercharge your savings. We'll automatically round up your purchases to the nearest dollar amount, and deposit that difference into a Member Rewards account where you'll earn our highest rate. It's like paying yourself first, then getting paid to pay yourself first!

Checking feature 2

Problem solved quickly. Questions answered completely. What more can you ask?

— S. R.
Iโ€™ve always had very good help with any problems. I just hope you continue to have local people on the help calls and not a foreign call center. Thank you for your service.
S. F.
It was so easy, I asked how much was in my Savings, and how much was in my Checking. I got my money, and I was in and out of there in 5 minutes.
N. P.
As soon as we enter the bank we were greeted and in less than 5 minute your notary had completed our transaction. And to top it off she had a wonderful personality.
S. S.

How it works

It’s easy to open a Checking Account with us

Step 1

Breeze through an online application in a matter of minutes.

Step 2

Make an initial deposit into your new account.

Step 3

View and manage your account using our Online and Mobile Banking features.

Make your checking experience a breeze

Experience the difference Mocse provides with an easy-to-open account with no monthly fees and tools to help you manage your balance.

  • [1] Based upon applicant’s checking account history and credit worthiness

    [2] Overdraft protection sources available include: Savings Account, Money Market Account and Personal Line of Credit. Minimum advanced amount is $200 from these overdraft sources.


    Traveling Out of the Area?

    To ensure you have continued access to your Mastercard Debit & Credit Card while you are traveling, please submit your travel notice using our Mobile Banking app by clicking on the Cards link. Click Manage Travel Plans under Manage Card, and enter your travel plan(s).

    You can also notify us through Online Banking under Settings and then Security Center.

    If calling is more convenient for you, contact our Member Services Department at (209) 572-3600 or (800) 44-Mocse to alert them of your travel plans.

Spoofing Calls! Do not give your personal information (i.e., Online Banking Credentials, Verification Codes, Account Numbers, SSN, or PIN number) to anyone.