First Gear Checking Account

Manage your account anytime on our app

Enjoy extra perks and convenience.

Free online and mobile banking
Overdraft Forgiveness
Discount on auto loans

Enjoy life without worrying about fees

Whether you're in high school, college or trade school, life gets busy. We get it, which is why we designed an account that doesn't penalize you for making an occasional overdraft. Earn money through interest on deposits, save money with an auto loan discount, and spend money on what you want – not on overdraft fees. Manage your account anytime through online and mobile banking.

  • Open to young adults ages 18 to 25 (and age 17 with parental oversight)
  • Earn competitive rates on deposits
  • Free Mastercard® debit/ATM card
  • Access to over 30,000 surcharge-free ATMs (over 1,600 in Michigan)
  • Free online and mobile banking
  • 1% discount on auto loans
  • No monthly service fee for first three months*
  • 24/7 member service through our 365 Live Call Center
  • Pay bills electronically
  • Write an unlimited number of checks
  • Enjoy MoneyNow Overdraft Protection and Oops Overdraft Forgiveness

Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.

* Minimum account aggregate balance of $100 required to avoid additional fee of $3/month. 

First Gear Checking Account Rates

APY1 Dividend Rate Daily Balance
0.00% 0.00% $1 to $10,000
0.10% 0.10% $10,000.01 and up