Checking Accounts


Your Credit Union checking share draft account works like most other checking accounts, but our member-only benefits offer real advantages:

  • Dividends are credited quarterly
  • No minimum balance
  • No per-check charge
  • No monthly service charge*
  • Debit card
  • Automatic payroll deduction
  • Overdraft check protection
  • Duplicate format checks
  • Itemized monthly statements

*Other fees may apply

Lost or stolen card? Learn more

Open a Checking Account Today


Existing members can open a new checking account by filling out the below application. If you haven’t opened a savings account yet, remember that all checking account holders must also have a funded savings account. Our team would be happy to help you get started.

If you have any questions, please call our main office at (585) 546-4279. 

Cards and Services


Online Banking

Access your accounts, transfer funds, and schedule payments through our website.

Mobile App

Banking’s always more convenient when you can access it on-the-go. Sign up for online banking when you open an account, and we’ll make sure you’re connected to our mobile app.

MasterCard Debit Cards

MasterCard Debit Cards are available for share draft accounts. Members can use the debit card just like an ATM card to access funds at an ATM. It can also be used like a credit card.

Request a debit card when you open your account today. 7-10 days after application, your pin number will arrive in a plain envelope, followed by the card a few days later. To activate your debit card, call 1-888-892-3806.

Daily limits apply:

  • ATM withdrawal limit: $600
  • Point of sale payment limit: $1,500

Convenient ATM Machines

We have three ATM machines throughout the community to make it easy to access money when you need it.

  • Sister Cities Office (Monday-Friday; 9:30am – 3:30pm): 40 N. Fitzhugh Street
  • Westside (Available 24/7): 1555 Long Pond Road in the Unity Hospital outside the Emergency Room
  • Southside (Available 24/7): 435 E. Henrietta Road inside the Monroe Community Hospital cafeteria

We also partner with ESL and Summit Federal Credit Union so that our members can use their ATM machines at no additional charge. Visit their respective websites to find an ATM nearest you.

Lost or Stolen Cards

Report any lost or stolen cards immediately by calling: 1-800-528-2273

Then, please contact our main office at (585) 546-4279. We can help have a new card issued to you.

MasterCard Debit Card Disputes

To dispute a purchase, call MasterCard at 1-866-279-1399.

Change Your PIN Number

If you know your current PIN, call 1-866-297-3408.

If you don’t know your current PIN, call our main office at 585-546-4279 to have one sent to you.

Remote Check Deposit

Deposit checks conveniently and securely using our app. Deposits can only be made to your Rochester & Monroe County Federal Credit Union Checking (91) accounts. A Virtual Branch/On-Line account with checking is required. Funds are normally received within 1 business day.

Deposit Limits:

  • Not to exceed $2,500.00 per check
  • Not to exceed $5,000.00 per day