Checking Accounts

Free Kasasa® Accounts
Our Kasasa accounts have no monthly service fees and reward you in cash every month. Just do simple activities, like using your debit card, to get rewarded. There are no minimum balance requirements. Learn more about Kasasa Cash and Kasasa Cash Back here.

Basic Checking
Basic Checking is free. No monthly or per item fees. Available to those who are under 18 and over 60.

InControl Checking
You’re in control of your checking with this account. Low $2 monthly fee. No minimum balance requirements. Eliminate the $2 monthly fee by doing simple activities like receiving e-statements or using your debit card.

With InControl you get free online banking, mobile banking, e-statements, free debit card and Dial 24 Telephone Teller.
How you can eliminate the monthly fee: Be enrolled in and agree to receive e-statements or have 12 debit card transactions post and settle to your account during the monthly qualification period.

Fresh Start Checking
Gives those with past account issues a fresh start with the convenience of a debit card. There is a monthly fee and certain restrictions apply.

Savings Services

Main Savings Account
The Main Savings account is your membership account and has a minimum balance requirement of $10.

Sub Savings Accounts
You can have many different Sub Savings accounts, these accounts can be savings accounts for vacation, college, taxes or any other reason you can think of. These accounts can be helpful to build special savings or for budgeting.

Christmas Account
Our Christmas Account is very flexible, no minimum deposit requirements; it can be started at anytime and withdrawn at anytime.

Account Services

ATM Cards
ATM Cards can be used anywhere the CO-OP, Cirrus, Star or Pulse symbols are displayed. Transactions on the CO-OP network are free; transactions outside the CO-OP network are $1.00 per transaction. Daily withdrawals are limited to $300.

ATM Machines
Mercy Credit Union owns and operates machines in the following Springfield area locations; Mercy Hospital,  Smith, Glynn, Calloway Clinic, and Mercy Hospital – Lebanon and Mercy Hospital Joplin. Mercy Credit Union also has ATMs in Oklahoma City, Edmond, Washington and St. Louis. Look up Co-Op fee-free ATMs across the country here.

Mastercard Debit Card                                                                                                                                                                                                                                          Our Debit Card is two cards in one, when used for paying for services or merchandise, swipe your card, press credit and sign for the transaction. A signature transaction is backed by Mastercard with zero member liability and your daily limit is $2,000 or your balance, whichever is less. Your Debit Card used as an ATM card to get cash requires a PIN. A PIN based transaction has a daily limit of $300 and member liability is $50.

Direct Deposit
We can accept Direct Deposit from any payroll source. We can even distribute your deposit between savings, sub savings and loans payments.

Payroll Deduction
Payroll Deduction is offered by Mercy Health System and their affiliates. Money can be held out of your check for deposits into savings, sub savings and loan payments.

Loan Services

We offer a variety of low interest rate loans. We have great, low rates on new and used Autos, Motorcycles, Boats, ATVs and RVs.

Mercy Credit Union also offers unsecured, share secured, bill consolidation, and emergency help loans.

Emergency Help Loan – To learn more or apply for an Emergency Help Loan, Apply Here.

Home Equity Line of Credit – Obtaining a Home Equity Line of Credit is easy, just complete the application and we’ll take care of the rest. No closing costs, appraisal fees or application fees.

Mortgage Loans – Click here to learn about mortgage offerings for our members through Mortgage Solutions.

Ready to apply for a loan? Apply here.

Access Your Account 24/7

Routing Number: 286586416

Online Banking
Bank 24 hours a day 7 days a week from work, school or on vacation. Log on here. *If it is your first time to use online banking, click “Register Here” to register your account in first.

Mobile AppDownload our app in the Google Play or App Store (if you’re are an iPhone user – search for Mercy You do have to sign up for online banking to be able to use the app.


24 Hour Telephone Teller
Call 24 hours a day to make transfers, listing of checks cleared, deposits, ATM withdrawals and ACH transactions.

Miscellaneous Products

Money Orders
Money Orders are $1.50 each and can be purchased for a maximum of $1000.00.

Teller Checks
Credit Union issued checks that can purchased with cash or guaranteed funds. Stop payments can not be placed on Tellers Checks for 90 days.

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. That’s because dependable coverage helps ensures financial relief when you need it most. And along the way, that coverage means you’ll take comfort in knowing you’re protected.

Founded on more than 80 years of working together with credit unions, we make a variety of insurance products and programs available to members like you—and help you protect what matters most.

Welcome to TruStage and insurance the credit union way. To learn more, get quotes or just explore, visit

© Copyright 2015, TruStage. All Rights Reserved.

TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.