Our no-nonsense checking and savings accounts will help you maximize every dollar.

Open an Account

So you want to join? Like the game Six Degrees of Kevin Bacon, there are three ways you can become a member of Multipli: live or work in Greene, Christian, Dade, Dallas, Lawrence, Polk, or Webster Counties, be related to a current member, or work for one of our Select Employee Groups.

  • $1 account opening.
  • Free Checking. You can deposit your paycheck and spend your money without any pesky maintenance fees. Just keep your balance in the black, okay?
  • Convenience. You’ll always have access to your account thanks to Online Banking, our Mobile App, Online Bill Pay and our 24-7 automated phone service.
  • Get your money. You have 30,000 surcharge-free ATMs and 9,000 deposit-taking ATMs at your fingertips nationwide. Look for the CO-OP Network logo and you’re good to go.

Switch Kit

Switch to us from another financial institution. We make it easy with our Switch Kit.

Move your accounts today


Stuffing your money in a mattress does not cut it. Start building your nest egg with a Multipli savings account today and watch your balances grow.

  • Earn a quarterly dividend based on your account balance
  • Link to your checking account for free transfers* and overdraft protection
  • Keep tabs on your balances with Online Banking, Mobile Banking and the automated phone service

* First 3 transfers per month are free.

Multipli CU Kid's Club

Piggy banks are great, but a real savings account is even better. Kids love having money in the bank, and they’ll love feeling in charge of it, too. Teach them to be good savers with our Multipli CU Kids Club account!

  • Kids 12 and under
  • Multipli CU Kids Club membership card
  • Quarterly newsletters
  • Annual birthday cards
  • Prizes for making deposits & much more!

Health Savings Accounts*

Don’t fret about the doctor bill. Take control of your health care budget by opening a Health Savings Account (HSA) that lets you deposit tax-free funds that you can use to cover medical costs. Unused funds remain in the HSA year after year, earning tax-deferred dividends.

  • A dividend with no minimum balance requirement
  • Easy access to funds via a free Mastercard® HSA Debit Card or free HSA checks
  • No setup fees, no minimum balance and no monthly maintenance fees
  • Auto transfers from your accounts or payroll
  • Access to your account via free online and mobile banking to monitor your account 24/7

*Must be in a HDHP.

Name It

Nickname your accounts for specific savings goals, like “Vacation” or “College”, or to better manage your household expenses. Just look for the pencil icon next to the name in Online Banking and you can change the name anytime.


Spending your hard-earned money shouldn't cost you. That's why we offer free checking and debit cards. Our Mastercard debit cards are accepted anywhere you see the Mastercard logo. Keep track of your money 24-7 through Multipli's convenient online banking, mobile app and eAlerts.

  • Free Mastercard debit card
  • Online Banking, Mobile Banking & Mobile Check Deposit
  • Convenient Bill Pay - Pay your bills online!
  • Free eAlerts
  • Free eStatements
  • Overdraft protection, linked to your savings account
  • No monthly maintenance fees
  • NCUA insured

Debit Card

When using your plastic cards at merchants, please consider the 'swipe and sign' option without a PIN number to save yourself time and hassle. Not only does the 'swipe and sign' option save you time, it saves us, your Credit Union, money in transaction fees.

In addition, the Signature-Based "credit" purchase limit is $1,500.00 per day and the PIN-Based "debit" purchase limit is $1,000.00 per day. These daily limits are in place to help reduce the risk of fraud and funds that may be withdrawn from your account. Please contact your branch if you need to temporarily use your card for higher purchase amounts.

Keep in mind that on point of sale machines that automatically bring up a screen asking for your PIN, you can still choose "credit" and sign to authorize your transaction (even though you will not actually be using credit; the money will still come out of your checking account).

If you misplace your Debit or ATM card, you can block your card through Online Banking. Log into Online Banking, click on the Settings tab and then click on the ATM/Debit Card tab. Select the card you want to block and click Submit at the bottom of the page.
NOTE: to order a new card you will need to contact Member Solutions at 417.865.3912 or

You may also report lost or stolen cards by calling 417.865.3912.

Fresh Start Checking

If you've had difficulty opening a checking account at other financial institutions, Fresh Start Checking is for you. You'll save time and money when you eliminate those time consuming trips to the currency exchange to cash checks or get money orders and get on the road to financial health.

  • Mastercard debit card
  • Online Banking
  • Convenient Bill Pay - Pay your bills online!
  • Share Secured Mastercard credit card available
  • Credit Builder Loan available
  • eAlerts
  • eStatements
  • $10.00 per month

*Please see member service representative for details.


Put money in your savings account while you shop with SaveIt, our automatic debit round-up program. Here’s how it works:

  • When making a purchase, use your Multipli Mastercard debit card.*
  • Your transaction will post to your account as the actual amount you spent. Then, each transaction will be rounded up to the nearest dollar and totaled. Each day that total will be transferred from your checking account into your SaveIt account. No minimum balance required.
  • The first month you're enrolled in the program we'll match 10% of your SaveIt account balance; then every quarter after we'll match 5% of transactions from that quarter, up to $250 annually. You must be enrolled in eStatements to receive the match portion.

*Please Note: you may select the "credit" or "debit" option, but additional charges may apply for a transaction processed as "debit".


Certificates of Deposit

Want more bang for your buck? Earn a greater return for your savings with a certificate of deposit. A CD is a short- to medium-term, NCUA-insured investment. By stashing away your money in a CD for a certain period of time, you will earn a higher level of interest than a standard savings account.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are a secure way to save for retirement. Whether you're just starting out, nearing retirement or switching to a new employer, we'll help you grow your money at a great rate.

We offer Traditional, Educational and Roth IRAs.

  • Earnings and deposits may be tax deferred or tax free, depending on which IRA you choose
  • IRAs are now insured by the NCUA up to $250,000
  • You can set up auto transfers from your accounts or payroll to make saving easy
  • Access to your account via free online and mobile banking to monitor your account 24/7

We also offer IRA CDs, which are just like a normal CD, but are set up as an IRA for tax purposes.