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UChoose Checking

Open a Savings Account Online

UChoose Checking | UChoose Loyalty Rewards
Our UChoose Checking account offers you the options you want at a price you can afford.  You get UChoose Loyalty Rewards and you can avoid monthly service fees. We make switching to MutualBank easy. The price is dependent upon how you build your account.  Let us help you build the account that fits you and your wallet or open your account online now!

   Option 2    Option
Free ATM/Debit Card      
Waived Foreign ATM Fees   none   two per cycle   two per
UChoose Loyalty Rewards      
Free Online Banking      
Free Online Bill Pay      
Free MutualMobile      
Free eStatements      
Free Checks   First Order   First Order  
First NSF fee waived each year      
Free Notary Services      
Interest Bearing   no   yes   yes, premium rate on $10,000+ balances
Minimum to open   $10.00   $10.00   $10.00
Monthly Service Charge   $6.00   $8.00   $10.00
Can the fee be waived?   √ (*)    √ (**)   √ (***)


Announcing Allpoint ATMs! | Learn More

MutualBank is now an Allpoint partner, meaning our debit card holders have surcharge-free access to 55,000 ATMs worldwide - twice as many as the big national banks. Learn More

*Option 1
: This fee is waived if any two of the following three conditions are met:

  1. Customer receives at least one direct deposit per statement cycle
  2. Customer signs up for eStatements for the account
  3. Customer makes 8 debit purchases on the account each statement cycle

**Option 2: This fee is waived if the customer maintains minimum daily balance of $2,500.

***Option 3: This fee is waived if the customer meets one of the three conditions below:

  1. $100,000 total loan relationship, including unused HELOC
  2. $100,000 aggregated deposit relationship
  3. Over $10,000 minimum average balance for the statement cycle

 Open a UChoose Checking Account Now!


Mutual News
  • Josh Kent appointed as LPL Financial Advisor at MutualBank

    MISHAWAKA, INDIANA – MutualBank and LPL Financial...

    Monday, February 1, 2016


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Mutual Blog

Personal Social Media Account Security

For many of us, social media has become a part of our everyday lives and helps us conveniently keep tabs on the people and topics we care most about.

Recently however, there has been an increase of social media account take overs by cybercriminals. As stated in the media, one contributing factor in some of the social media account takeovers has been the use of weak passwords.

Tips for creating a stronger password:

  • Passwords should typically:
    • be at least 8 characters in length
    • contain at least 1 number
    • contain at least 1 special character (!@#$$%)
    • contain both upper and lower case characters.
  • Do not use your name, date of birth, maiden name, mother’s maiden name, address, or other easily guessable words for passwords. 
  • Another way to create a strong password is to use a series of words that do not relate to each other. For example, JumpingFastRelaxStop!#.


Social media additional security options:

Another way to help avoid social media account takeover is to use the additional security options available. Two-factor authentication adds an extra layer of security that drastically decreases your chances of account takeover. Two-factor authentication is essentially the using of two separate components to verify your identity, the combination of something you HAVE with something you KNOW. A good example of two-factor authentication you most likely are already used to is withdrawing cash from an ATM, for example. Having both your debit card AND knowing a pin number is required to complete the withdrawal and protect your identity.

A popular and convenient two-factor authentication method is using a combination of both an online password and a text message verification sent to your phone. Enabling this type of authentication typically follows this process:

  1. Enter your password into Facebook or another website
  2. Immediately receive a text on your phone with a temporary pass key
  3. Enter the passkey received back on the site/app and you’re logged in

This may seem like overkill, but enabling this two-factor authentication will drastically decrease the chances of your social accounts being hacked. And actually, the process of setting up and using this authentication is pretty simple and convenient.


How to enable two-factor authentication:

Many popular social networks like Facebook, Twitter, LinkedIN, and others already support two-factor authentication. To learn more about how to do so on the most popular sites on the web, be sure to check out this article:

Wednesday, April 22, 2015


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