Click here for an application. Please print and fax to 203.761.2440 or mail to your local branch. For a list of addresses click here. ULTIMATE CHECKING - a free checking account that pays high interest and refunds ATM fees! All you have to do is meet 3 easy requirements per qualification cycle: (1) Twelve (12) posted non-PIN check card purchases (2) Direct Deposit or one ACH Automatic Debit or one online bill pay using MemberPay® posted. (3) Receive eStatements monthly *APY - Annual Percentage Yield accurate as of May 1, 2009. Minimum deposit to open account is $50. Rate tiers are as follows: Ultimate rate of 3.25% APY applies to balances of $0.01 - $25,000 and 1.01% APY paid on balances over $25,000 per statement cycle when requirements are met. Base Rate of 0.15% APY will be earned on all balances if requirements are not met. Rates may change at any time. Fees may reduce earnings. **ATM fee refunds up to $15 per qualification cycle when requirements are met. ATM fees over $4.99 per transaction are not refunded. ATM fees are refunded at the end of each statement cycle if requirements are met. Qualification Cycle means a period beginning after 8:00 PM EST on the second business day prior to month end through 8:00 PM EST of the second business day prior to the following month end. Your 12 Non-PIN check card purchases and your Direct Deposit or ACH Debit or online bill pay using MemberPay® must post during the qualification cycle. Federal Holidays may affect this schedule. Please check our website at www.mscu.net, contact us at 800.761.2400, or visit your closest branch for actual qualification cycle dates. Membership requires a minimum deposit of $5.00 into a regular savings account. 
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