Checking accounts for all of your banking needs
Life can get busy and complicated, so we designed checking accounts to help make managing your money an efficient and hassle-free process. Take advantage of one of our checking accounts to manage your day-to-day finances with ease. From online bill payments to fee-free ATMs around almost any corner, save time with our convenient banking solutions.
Premier Checking |
Classic Checking |
First Gear Checking |
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A checking account that helps you manage your money more efficiently, even with a busy schedule. |
A checking account that helps with building better money management - ideal for those beginning a new financial journey. |
Whether you're in high school, college or trade school, life gets busy. We designed an account for young adults (17-25) that doesn't penalize you for making an occasional overdraft. |
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Pay Bills Electronically |
Yes |
Yes |
Yes |
| Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) |
Yes |
Yes |
Yes |
| Free Mastercard® Debit/ATM Card |
Yes |
Yes |
Yes |
No Monthly Fees |
Yes |
No |
Yes |
Learn More |
Learn More |
Learn More |
A checking account that helps you manage your money more efficiently, even with a busy schedule.
Pay Bills Electronically Yes Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) Yes Free Mastercard® Debit/ATM Card Yes
No Monthly Fees
Learn More
A checking account that helps with building better money management - ideal for those beginning a new financial journey.
Pay Bills Electronically Yes Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) Yes Free Mastercard® Debit/ATM Card No
No Monthly Fees
Learn More
Whether you're in high school, college or trade school, life gets busy. We designed an account for young adults (17-25) that doesn't penalize you for making an occasional overdraft.
Pay Bills Electronically Yes Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) Yes Free Mastercard® Debit/ATM Card Yes
No Monthly Fees
Learn More
* Minimum account aggregate balance of $100 required to avoid additional fee of $3/month.
1 (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.
Michigan First Credit Union Offers Peace of Mind with $500,000 Coverage!
At Michigan First, we go the extra mile for our members by making sure your money is protected. Deposits at Michigan First Credit Union are federally insured up to $250,000 by the National Credit Union Administration (NCUA). To further protect your deposits, Michigan First provides additional coverage through Excess Share Insurance (ESI), creating a combination of federal and private share deposit insurance that protects your deposits for a total of $500,000 — including savings accounts, checking accounts, money market accounts, and certificate accounts.
This combination of NCUA and ESI coverage ensures that:
- All individual savings, checking and certificate accounts held by the same member are added together and insured up to $250,000 by the NCUA and an additional $250,000 by ESI.
- All joint accounts held by the same member are added together and insured up to $250,000 by the NCUA and an additional $250,000 by ESI.
- All IRA accounts held by the same person are added together and insured up to $250,000 by the NCUA and an additional $250,000 by ESI.
Both ESI and NCUA offer coverage payable upon failure and liquidation of the credit union. In order to continue providing the expanded protection, Michigan First adheres to strict underwriting criteria and reports monthly to ESI. If you have questions regarding this valuable member benefit, please call 800.664.3828.