Checking Accounts

It’s your money, so manage it your way. We’ve got three checking options that’ll keep your finances on point.

Premier Checking
Open an Account

Classic Checking
Open an Account

First Gear
Open an Account

Recommended For

You keep your accounts in good standing

If you’ve had challenges with checking accounts

Young adults

Dividend Rate

Up to .10%

Up to .10%

MasterCard® Debit Card or ATM Card

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Access to over 30,000 surcharge-free ATMs (over 1,600 in Michigan)

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Two free ATM withdrawals per month (non-CO-OP ATMs)1

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Unlimited Checks

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Online Banking

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Pay Bills Online

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Bank With Mobile App

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Bank Over the Phone

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MoneyNow Overdraft Protection

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Oops Overdraft Forgiveness

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1% Auto Loan Discount

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Monthly Minimum Balance

2(Checking only, minimum aggregate balance applies across all open accounts)

None2

None2

None

Monthly Service Fee

Free

$20

Free

Age Requirements

18+ or 13-17 with parent

18+ or 13-17 with parent

18-25 or 17 with parent

Why It’s Cool

It’s truly free checking. No hidden fees and includes a debit card.

It’s a fresh start if you’ve had checking account issues in the past. It’s open to anyone and you can apply to switch to Premier Checking after six months.3

Includes all benefits of Premier Checking plus loan discounts and overdraft forgiveness. Youngsters get everything these days, don’t they?

1Fee may be assessed by proprietary financial institution.
2Minimum account aggregate balance of $100 required to avoid additional fee of $3/month.
3(1) You demonstrate responsible account management – such as making regular deposits; (2) Account does not have a negative balance; (3) You avoid over-drafting your account; and (4) There are no legal orders, levies or liens against the account.