Premier Checking Account

Experience an easier way to do your banking.

Free up time for the things that matter most.

24/7 online and mobile banking
Easy ATM access
Earns dividends

A checking account with plenty of benefits and less hassle

Life gets busy and it’s easy to get behind schedule. That’s why Michigan First has designed a checking account that helps you manage your money more efficiently. Pay bills online in minutes, make quick purchases with a free debit card, and find an ATM around almost any corner. With no monthly fee*, you’ll save valuable dollars as well as precious time.

  • Earn up to 0.1% in dividends 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
  • 24/7 service through our 365 Live Call Center
  • Pay bills electronically
  • Write an unlimited number of checks
  • Enjoy MoneyNow Overdraft Protection
  • Age for this account is 18 or older. Ages 13-17 can open an account with a parent or guardian
  • Is Your Card Contactless? If your card has this symbol contactless payments icon on the back, you can tap to pay.  If you have questions about contactless cards, please call our 365 Live Team at 800.664.3828.

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

Premier Checking Account Dividends

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

Debit Card Designs

balloon debit card

baseball debit card

boat debit card

building debit card

standard debit card

solid color debit card

flowers debit card

grafitti debit card

ombre credit card

saxophone debit card

Spirit of Detroit debit card

sunflower debit card


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