An account full of possibility.
Steady your finances with this account.
Convenient online and mobile banking
Easy ATM access
Unlimited check-writing
Put the past behind you
Classic Checking is the beginning of your new financial life. This account makes it easy to manage and access your money anytime. As you build up good money management habits, you'll become eligible to switch to Premier Checking after six months.1
- Free ATM or debit card
- Access to over 30,000 surcharge-free ATMs (over 1,600 in Michigan)
- Free online and mobile banking
- 24/7 customer service through our 365 Live Call Center
- Pay bills electronically
- Write an unlimited number of checks
- Open a Classic Checking account by visiting any of our branches.
- Is Your Card Contactless? If your card has this symbol
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.
Debit Card Designs
Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.
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.
