Checking 

Earn-It Checking - Dividends up to 6.17% APY*

Tired of paying for a "free" checking account? Don’t pay for a checking account; get one for free and earn dividends with our Earn-It Checking Account!

• Earn 6.17% APY** on balances up to $15,000
• Minimum opening deposit of $100.00

• 2 simple monthly qualifications to earn dividends:

• 1 $300+ ACH deposit or direct deposit per month
• 15 debit card transactions a month, with each transaction totaling $10 or more

Enjoy these great features:

• No monthly service fee
• Free Zelle services to easily send and receive money
• Free Debit card per account holder
• Contactless pay compatibility
• Free CardSecure App
• Free Bill Pay
• Free online banking
• Free E-statements
• Free mobile banking with mobile deposit
• Free box of starter checks
• Free Cashier Checks/Official Checks
• Access to over 30,000 ATMs at MOBILITY CU ATMs and shared ATMs nationwide
• Access to thousands of shared branches nationwide with the CO-OP Shared Branching Network

Call us at 214.574.2000 or text us at 214.888.4007 to get started!

*APY = Annual Percentage Yield. When all qualifying criteria are met, earn 6.17% APY on balances between $0.01 - $15,000.00. Earn 0.03% APY on balances between $0.01 - $15,000.00 if qualifying criteria are not met. Earn 0.05% APY on balances of $15,000.01 and higher when all qualifying criteria are met or not met. Minimum opening deposit of $100.00 required. ATM transactions do not count towards monthly debit card transactions. Rates are subject to change without notice.

Money Market Plus Checking

Tired of paying for a "Free" checking account? Don’t pay for a checking account, get one for free and earn dividends with our Money Market Plus Checking!

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Enjoy these great features:

• Tiered dividends
• No monthly service fee
• Free Debit card per account holder
• Contactless pay compatibility
• Free CareSecure App
• Free Bill Pay
• Free online banking
• Free E-statements
• Free mobile banking with mobile deposit
• Free box of starter checks
• Free Cashier Checks/Official Checks
• Access to over 30,000 ATMs at MOBILITY CU ATMs and shared ATMs nationwide
• Access to thousands of shared branches nationwide with the CO-OP Shared Branching Network

Call us at 214.574.2000 or text us at 214.888.4007 to get started!

*APY = Annual Percentage Yield. Dividends earned on balances of $1,500.00+. Earn 0.50% APY on balances between $1,500.00 - $24,999.99, 0.75% APY on balances between $25,000.00 - $49,999.99, 1.00% APY on balances between $50,000.00 and $99,999.99, 1.26% APY on balances between $100,000.00 and $249,999.99, 1.51% APY on balances between $250,000.00 and $499,999.99, and 1.76% APY on balances $500,000.00+. Minimum opening deposit of $100.00 required. All qualifying criteria must be met to qualify for dividends. Rates are subject to change without notice.

Fresh Start Checking Account

• Minimum opening deposit of $50.00

And you get these great features:

• No monthly service fee
• Free Debit card per account holder
• Free CardValet App
• Free online banking
• Free E-statements
• Free mobile banking
• Access to over 30,000 ATMs at MOBILITY CU ATMs and shared ATMs nationwide

Our routing number is: 311979752.
A primary savings account is required to open a checking account.
Questions? Give us a call at 1-800-388-7889.

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Mobility CU Card Secure

Take Control of Your Debit Card!

Mobility CU Card Secure is a debit card management and fraud protection tool for MOBILITY Credit Union cardholders. It gives you the ability to locate ATMs, receive real-time balance inquiries and actively manage your debit card usage by defining when, where and how your card is used.

Alerts:

• Alerts can be set up to inform you of specific types of transactions
• You can be alerted when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined
• Alerts are sent in real time, immediately after the transaction has taken place or has been declined

Card On/Off Setting:

• When the card is "On", transactions are allowed in accordance with your usage control settings
• When the card is "Off", no purchases or withdrawals are approved until the card is subsequently turned back "On". This control can be used to disable a lost or stolen card

Card Usage Controls:

• Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed predefined thresholds
• Transactions can be monitored or controlled for specific merchant categories

Location-Based Controls:

• The My Location control can restrict transactions to merchants located within a certain range of your location using the phone's GPS location. Transactions requested outside of the specified range can be declined
• The My Region control uses city, state, country or zip code on an expandable interactive map; transactions requested by merchants outside of a specific region can be declined. (NOTE: international transactions will still need to be set by contacting MOBILITY Credit Union)

Debit Cards

Lost or stolen debit card? Call 800-388-7889 during business hours or 1-800-472-3272 after business hours.

What is a MOBILITY CU debit card?
It's a card that gives you all the benefits of an ATM card, plus this added bonus: You can use it to make purchases anywhere MasterCard® is accepted. Just present your MOBILITY CU MasterCard debit card, sign the receipt, and the purchase amount will be deducted from your checking account.

How can my MOBILITY CU debit card help me handle my banking needs?
Your MOBILITY CU debit card gives you 24-hour banking convenience. Simply use your card to make deposits or withdrawals, check balances, or transfer funds between accounts at MOBILITY CU.

Can I use my MOBILITY CU debit card for purchases without paying interest charges?
Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.

How is my MOBILITY CU debit card different from a credit card?
Your MOBILITY CU debit card is not a credit card, so you don't pay finance charges. Each purchase amount is deducted from your checking account and the details are on your monthly statement.

Are there any monthly or annual fees for my MOBILITY CU debit card?
No, there are no monthly or annual fees for the MOBILITY CU debit card.

What other benefits will I enjoy?
Your MOBILITY CU debit card can get you out of checkout lines fast because you won't have to wait for check approvals. Every purchase will be listed on your monthly checking account statement, which can simplify your record keeping.

Where can I make purchases?
Your MOBILITY CU debit card can be used to make purchases at millions of places that accept MasterCard® – including restaurants, department stores, doctors' offices, airlines and hotels, grocery stores, gas stations, and more.

What is a Personal Identification Number (PIN)?
A PIN is the numeric code you enter to enable a transaction at an ATM or point-of-sale terminal. Safeguard your PIN by memorizing it and not disclosing it to anyone. Do not write your PIN number on a piece of paper in your wallet where you carry your card.

When I make a purchase, do I have to give the merchant personal information regarding my PIN or checking account balance?
No. You do not need to divulge any personal banking information such as your PIN or checking account balance and they cannot be accessed by merchants.

Is it safe?
Absolutely! Use your MOBILITY CU debit card to pay for purchases and shop with confidence knowing that MOBILITY CU protects your account and MasterCard® Zero Liability protection covers you for unauthorized purchases on signature transactions... and carrying your card is much safer than carrying a lot of cash or checks.

How do I keep track of my purchases?
All transactions made with your MOBILITY CU debit card are listed on your monthly account statement. Each transaction shows the merchant name, the date of the purchase and the amount spent – so the more you use your card for everyday purchases; the easier it can be to track expenses and manage your budget. Go to our website at www.mobilitycu.com to monitor your activity with Home Banking.

How long does it take for purchases to be posted to my account?
The vast majority of purchases made at retail locations will post to your account within a day or two. Other transactions done for car rentals, hotel reservations and pay-at-the-pump transactions may not post for several days. Use Home Banking to monitor your account. It's fast and easy!

What happens when I need to return merchandise?
It's the same as returning merchandise purchased with a credit card or check. Be sure to save your receipt in case you need to return an item. Returns are made directly with the merchant. The merchant will simply credit your checking account with the amount of the return.

What do I do if I find an erroneous charge on my account?
Contact the merchant directly to resolve the discrepancy. All participating merchants in the MasterCard® network are bound by rules and regulations as it applies to consumer inquiries and investigations. If you are unable to resolve the issue directly with the merchant, we will need to know the steps you have taken to resolve the issue before we can intercept on your behalf with MasterCard®.

Why would I want to do a PIN transaction?
If you find that you need some cash it's easy to get "cash back" at the point-of-sale. It's quick and easy and you don't need to waste time locating an ATM. At the point-of-sale terminal, just swipe your card, select "debit" on the PIN pad and enter your 4-digit PIN. You will be prompted for "cash back". Select the cash back amount. The merchant will give you a receipt and the cash.

Can I get cash back with my purchases?
Yes, this is a convenient way to withdraw cash from your checking account when shopping, with no need to make a special trip to the ATM. Simply inquire if you can get cash back before the cashier calculates your purchase total. Merchants will be happy to honor your request where the service is available. A PIN is required to get cash back.

Can I use my MOBILITY CU MasterCard debit card to set up automatic bill payments?
Yes. From Internet and phone charges to health club dues and insurance premiums, more and more service providers are offering the convenience of automatic bill payments using your MOBILITY CU MasterCard® debit card. It ensures that your recurring bills are paid on time without the hassles of writing checks every month. And there are no interest charges since your payments are automatically deducted from your checking account. The preauthorized amount can be fixed, like a magazine subscription, or it can fluctuate, like your utility bills – it depends on the terms you set with the service provider. To set up automatic bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your MOBILITY CU MasterCard® debit card instead.

What should I do if my MOBILITY CU MasterCard debit card becomes lost or stolen?
Call during business hours 1-800-388-7889 to report a lost or stolen card and after business hours 1-800-472-3272.

We cover your overdrafts in two different ways.

We have standard overdraft practices that come with your account
We also offer overdraft protection plans such as a link to your savings account or Line of Credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans

What are the standard overdraft practices that come with my account?
MOBILITY CU does authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payment

What are the overdraft practices that do not come with my account?
MOBILITY CU does not authorize and pay overdrafts for the following types of transactions unless you ask us to:

ATM transactions
Everyday debit card transactions

What fees will I be charged if MOBILITY CU pays my overdraft?
Under our standard overdraft practices:

We will charge you a fee of up to $35.00 each time we pay an overdraft.
There is no limit on the total fees MOBILITY CU can charge you for overdrawing your account.

What if I want MOBILITY Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, log into Home Banking where you will find the Opt In option under Account Services, then Overdraft Services. Or call 1-800-388-7889.

Overdraft Protection

This page explains MOBILITY CU's standard overdraft practices and includes opt-in conditions and an opt-in form. Click here for a printer-friendly version.

What You Need To Know About Overdrafts and Overdraft Fees An overdraft occurs when you do not have enough money in your account to cover a transaction, but MOBILITY CU pays it anyway. We cover your overdrafts in two different ways:

• We have standard overdraft practices that come with your account
• We also offer overdraft protection plans such as a link to your savings account or Line of Credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans

What are the standard overdraft practices that come with my account? MOBILITY CU does authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payment

What are the overdraft practices that do not come with my account? MOBILITY CU does not authorize and pay overdrafts for the following types of transactions unless you ask us to:

• ATM transactions
• Everyday debit card transactions

What fees will I be charged if MOBILITY CU pays my overdraft?
Under our standard overdraft practices:

• We will charge you a fee of up to $35.00 each time we pay an overdraft.
• There is no limit on the total fees MOBILITY CU can charge you for overdrawing your account.

What if I want MOBILITY CU to authorize and pay overdrafts* on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, log into Home Banking where you will find the Opt In option under Account Services, then Overdraft Services. Or call 1-800-388-7889.

Contact a Debit Card Service Representative at 1-800-388-7889 for details.

*Qualifying criteria applies. You have the right to revoke this service at any time.