In observance of Patriots' Day, all Mass Bay Credit Union offices will be closed on Monday, April 20, 2026. Online and mobile banking, ATMs, and Telephone banking are all available.
xNow Checking
Banking that works for you.
Whether you prefer in person or Online and Mobile banking, we’ve got your needs covered. Keep it simple with a Mass Bay Credit Union Free Checking account, or pay a low monthly fee and start earning interest on your Now Checking account balance from the very beginning. Better yet, if you keep a minimum balance of $400, or use MBCU to receive direct deposit from your employer, you'll earn interest and we’ll waive the fee!
Checking
Benefits:
- An Interest Bearing Account with all the services of Free Checking
- FREE ATM/Debit Card
- FREE unlimited ATM access at our ATMs
- Remote Check Deposit
- Apple Pay
- Card Valet
- Surcharge free ATM access via our partner newtork ATMs at Allpoint, MoneyPass and Sum Networks
- $5.00 monthly service charge
- Waive monthly service charge by:
- Full Direct Deposit
- Maintain a minimum daily balance of $400
- OOPS (Occasional Overdraft Privilege Service)
Learn all about our Free Checking account here.