Get Paid Early, Give Back, and Earn Rewards with Our Community Checking
You get paid, and we donate to your community. Pretty awesome for a free checking account, eh?!
No Monthly Fees
We value your hard-earned money. Enjoy no monthly fees and a range of features with Love Our Community Checking.[1]
Early Direct Deposit
Access your paycheck up to two days early, including deposits from services like Venmo and PayPal.
Overdraft Protection
Stay covered with overdraft protection options to prevent declined purchases.[2]
Round Up to Rewards
Round up your debit card purchases to the nearest dollar, with the difference going into a high-yielding Member Rewards account.
Help Us Give Back
We’ll donate $0.01 to Love Stanislaus County with each debit card purchase—at no extra cost to you.
Free ATM Access Nationwide
Withdraw cash from over 30,000 CO-OP® ATMs across the country, without any fees.
Kiss the wait goodbye with early direct deposit
We believe you deserve early access to your deposits. It's that simple. This isn't a gimmick or a loan. It's your money, available up to two days before the deposit date says it's yours. Ready to kiss the wait to get your funds goodbye? Let's do this. Set up direct deposit now to get early access to your money in your Mocse checking account!
Help us give back to the community you love
You can make your purchases worth more for those in the community. With each debit card purchase you make, Mocse will donate $.01 to Love Stanislaus County, which helps foster youth, creates volunteer service events, assists seniors, and more. This donation is no cost to you. Plus, you get free e-Statements, Apple Pay® and Google Pay™, and more.
Use the optional Round Up to Rewards feature, and supercharge your savings. We'll automatically round up your purchases to the nearest dollar amount, and deposit that difference into a Member Rewards account where you'll earn our highest rate. It's like paying yourself first, then getting paid to pay yourself first!
Problem solved quickly. Questions answered completely. What more can you ask?
I’ve always had very good help with any problems. I just hope you continue to have local people on the help calls and not a foreign call center. Thank you for your service.
It was so easy, I asked how much was in my Savings, and how much was in my Checking. I got my money, and I was in and out of there in 5 minutes.
As soon as we enter the bank we were greeted and in less than 5 minute your notary had completed our transaction. And to top it off she had a wonderful personality.
How it works
It’s easy to open a Checking Account with us
Step 1
Breeze through an online application in a matter of minutes.
Step 2
Make an initial deposit into your new account.
Step 3
View and manage your account using our Online and Mobile Banking features.
Make your checking experience a breeze
Experience the difference Mocse provides with an easy-to-open account with no monthly fees and tools to help you manage your balance.
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[1] Based upon applicant’s checking account history and credit worthiness
[2] Overdraft protection sources available include: Savings Account, Money Market Account and Personal Line of Credit. Minimum advanced amount is $200 from these overdraft sources.
Traveling Out of the Area?
To ensure you have continued access to your Mastercard Debit & Credit Card while you are traveling, please submit your travel notice using our Mobile Banking app by clicking on the Cards link. Click Manage Travel Plans under Manage Card, and enter your travel plan(s).
You can also notify us through Online Banking under Settings and then Security Center.
If calling is more convenient for you, contact our Member Services Department at (209) 572-3600 or (800) 44-Mocse to alert them of your travel plans.
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Rates effective as of: May 16, 2025
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