How can we help your money work harder for you?
Your hard-earned money deserves a home that’s as reliable as you are. Whether you're managing a busy household or helping a family member get started, we provide Checking Accounts built for your life—with no hidden fees and a 100% commitment to your success.
Simply Free Checking
The checking account that fits your life, not the other way around.
Our most versatile account is designed for your everyday life. We’ve removed the red tape so you can focus on what matters most.
The Benefits:
Zero Monthly Fees: You keep every dollar you earn.
ATM Fee Reimbursement: We’ll pay you back for ATM fees when you have a monthly $500 direct deposit.
Earn Rewards: Get more back as you spend on your daily essentials. Earn 1 point per $100.
No monthly fees and no minimum transaction requirements. We keep it simple because you have enough on your plate.
Gunny Checking
A Smart Start for Young Savers
Named after our favorite mascot, this account is the perfect place for teens (13-17) to learn how to manage money. We’ve added "guardrails" to help them build great habits early on.
The Training:
Zero Monthly Fees: Start their journey on solid ground.
Working Together: This account requires a joint owner (18+) to provide guidance.
Earn Rewards: Get more back as you spend on your daily essentials. Earn 1 point per $100.
Do you lead a local organization or club?
Whether you’re leading a scout troop, a civic group, or a weekend bowling league, your organization needs a reliable place to call home.
We provide the tools to keep your group's funds secure and your goals on track.
Is your organization ready to join us?
To open an account for your non-profit or community group, ensure your leadership follows these simple steps:
Eligibility: Responsible individuals in the organization can establish membership.
Convenient tools for your organization’s success
Our organization accounts are equipped with features that do the heavy lifting for you:
Visa® Debit Access: Instant access to buy supplies for your next project
Ready to set up your organization or club's new home?
Organization accounts require a quick in-person visit to ensure we have all your security and documentation protocols exactly right.
Stop by any branch to get started.
Add Your Card to Your Digital Wallet
Configure secure mobile payments and pay confidently on the go.
Add your Marine FCU Visa® Debit and Credit Cards directly to your preferred digital device using these quick steps.
Apple Pay
Download and open the Apple Pay app, then tap "Add Credit or Debit Card" (or enter your iTunes security code if prompted). Tap Next. Marine FCU will verify your information. Learn about Apple Pay
If more details are needed, complete the verification under Settings > Wallet & Apple Pay.
Google Pay
Download and open the Google Pay app. Follow the setup prompts. Ensure your phone has a screen lock enabled (PIN, pattern, password, or fingerprint; smart unlock or retina scanning are not supported). Learn about Google Pay
Make sure NFC and HCE are toggled on in your settings, and set Google Pay as your default payment app
Samsung Wallet
Add your card in just a few simple steps. Download and open the Samsung Wallet app on your compatible device, capture a photo of your Marine FCU Visa® card with the camera, and secure the setup with your fingerprint and backup PIN. Learn about Samsung Wallet.
Visa Click to Pay
Click to Pay is an easy, smart & secure online checkout. Use the secure setup link to add your cards. Once configured, click to pay when you see the Visa® payment icon at online checkouts. Learn about Visa Click to Pay
Simple Solutions for Check Ordering
Sometimes, there’s no substitute for a physical record. Whether for your personal files or group business, we’ve made it simple to secure custom checks that fit your style.
How do you get your new checks?
Quick Check: Ensure your account has enough to cover the order.
Personalize It: Choose from different covers and styles to make your checkbook your own.
Automatic & Easy: No separate bills—the cost is automatically handled from your Checking Account.
Delivery and Maintenance Timelines
Delivery: Your checks will arrive at your door within 7 to 10 business days.
Maintenance: Need help keeping your books balanced? Our balancing form is always available to keep your records in sync.
Accuracy is everything. Use our balancing form to make sure your records match ours perfectly. We’re here if you have any questions!
Overdraft Protection
We know that life doesn't always go according to plan, so protect your account from surprises.
We’ve built four layers of defense to help protect your account, ensure your bills are paid, and keep your credit standing tall.
Want to review your current protection?
Not sure which layer of defense is currently active on your account? Review or update your settings anytime through your secure login.
Internal Transfer
Can your savings help out?
If your checking balance runs low, we can automatically move money from your Savings or Money Market Account.
The Facts: Transfers happen in $50 increments. There are no fees for this internal support.
Personal Line of Credit
Do you want a dedicated backup?
For qualified members, a Line of Credit acts as a constant safety net. If you hit a shortfall, the funds are available instantly.
The Facts: You only pay interest on the amount you actually use.
Courtesy Pay
What if you don't have a backup ready?
If funds aren’t available, we strive to pay your checks and recurring bills at our discretion. This helps you avoid the headache of a returned payment.
Missing a rent payment or a utility bill isn't an option. Use Courtesy Pay to stay in good standing.
Courtesy Pay Extra
(Opt-In)
Do you want coverage for everyday purchases?
This is a choice you make. By opting in, we strive to cover your everyday debit card purchases (like groceries or gas) if your balance is low.
For peace of mind about your everyday purchases even during a shortfall, opt in for Courtesy Pay Extra.
Connect With Us
Chat with us: Click the link in the bottom right corner and start a conversation today!
Open an Account Online: Enjoy membership perks and open an account with us online
Give Us a Call: Speak directly with a friendly personal lending specialist on weekdays during regular business hours at (910) 577-7333 or (800) 225-3967
Visit a Branch: Stop by any of our local branches to speak with a representative face-to-face.
