Checking Accounts

Become a Member TODAY!  Fill out this application and bring it in to either office. 

Not a member yet?  Click here to see if you qualify.  Anyone who lives, works, worships or goes to school in Hancock, Hardin, Putnam, Allen, Seneca and Wood counties, or has a family member who does, qualifies for membership!  With two branch locations in Findlay and North Baltimore, Ohio, and as a Shared Branching member, having your checking account with us couldn’t be easier.

Millstream Area Credit Union offers Checking Accounts to fit the needs of our members in Findlay and North Baltimore, Ohio, as well as the surrounding counties.

U.S. Patriot Act Notice:
In accordance with the U.S. Patriot Act, Federal Law requires all financial institutions to obtain, verify and record information that identifies each individual or entity opening an account.

What this means to our members:  When you open an account, you will be asked for your name, address, social security number, or tax identification number, date of birth, if applicable, and other information that will allow the Credit Union to identify you.  You will also be asked to furnish your driver’s license or other identifying documents.  We are required to follow this procedure each time an account is opened, even if you are a current member of the Credit Union.

FREE* Checking

Millstream Area Credit Union’s Free* checking account is the best kept secret in town! If you are being charged fees at another institution, open a Millstream Area Credit Union Free* checking account with all of the following features and benefits:

* No monthly service fee, other fees may apply
Click here for a list of fees

CRUISIN’ 55 CHECKING

Millstream Area Credit Union’s Cruisin’ 55 checking account rewards members age 55 and older by providing dividends on their balances above $500.00. Additional features include:

Membership eligibility required.
* APY (Annual Percentage Yield)
* APR (Annual Percentage Rates)
Dividends are earned on the average daily balance.

Teen Checking

Help your teen achieve financial freedom while teaching them financial responsibility with Millstream Area Credit Union’s Teen Checking Account.

  • No monthly service charge
  • A parent or legal guardian is required to be a joint owner of the account
  • Ages 13-17
  • First 50 checks FREE
  • $100 required deposit in savings/overdraft at all times
  • Monthly statements, Free e-statements
  • ATM/Check Card available with parental consent

 Learn More About Direct Deposit!

Electronic Funds Agreement and Disclosure