Your rock-solid financial foundation.

A share draft (checking) account is your bill-paying workhorse, capable of handling all of the deposits and withdrawals you make on any given day. Mills42 has two share draft options: a fee-free account, with no minimum balance requirement and no monthly service charge; and a Rewards Checking account that pays you an incredible dividend on balances between $500 and $10,000.

Both accounts come with a Mills42 Mastercard® Debit Card that can be used for all purchases drawing directly from your checking account. And we even offer the added convenience of Apple Pay™ and Samsung Pay™. Your debit card can be used in our ATM network to make withdrawals, balance transfers, account inquiries, and more.

Speaking of your Mills42 Mastercard® Debit Card, we offer a really unique Round Up Savings account that takes every debit card purchase you make and rounds it up to the next whole dollar amount. Then that difference is automatically deposited into an interest-earning savings account for you.

In addition, your Mills42 checking account comes with Courtesy Pay*, a feature that will cover your account when you have insufficient funds (up to $400, including non-sufficient fund fees of $28 per incident). This is designed to eliminate Payment Return fees from the creditor, to help our members maintain their good credit.

Get the most you can get from your checking with Mills42. Give us a call or stop by the branch and let’s talk about what’s best for you.

Not a member yet? We’ll take care of that for you as you’re opening your account or taking out a loan. If you want to get a jump-start, enroll online or just give us a call at 978.328.5100. We’ll be happy to help you build from here.

Click here to see our Fee Schedule

* Courtesy Pay will pay ACH & Share Drafts (checks), but not debit card transactions. A minimum deposit of $200.00 must be made every 15 days to keep Courtesy Pay active. A member must be 18 or older to use Courtesy Pay. Courtesy Pay will be turned off after a member has been negative for 30 days. Courtesy Pay will not automatically turn back on when the account is back to positive—approval must be obtained to turn it back on. Courtesy Pay will be turned on only after a 90-day new checking account probationary period. Accounts with an invalid email address will be removed. Members can opt out of Courtesy Pay by calling 978.328.5100, emailing, or by writing to us at 83 Merrimack Street, Lowell, MA 01852. The credit union reserves the right to turn off Courtesy Pay for account abuse. If a member has a delinquent loan with Mills42, Courtesy Pay will be turned off until the loan is current. Members must be in good standing to maintain Courtesy Pay.