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
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 |
| 0.25% | 0.25% | $10,000.01 and up |
1APY = Annual Percentage Yield. Minimum balances listed is to open an account and to earn the advertised APY. All dividends and APYs are accurate as of today, and subject to change at any time. Fees may reduce earnings on accounts. For current dividends, please contact us.
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.
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.
