Premier Checking is designed for members looking for a straightforward account for managing purchases, bills, deposits, and other everyday banking needs.
Find the checking account that fits you.
Your checking account is at the center of everyday money management. Michigan First offers several options so you can choose an account based on how you bank, the features you value, and where you are in your financial journey.
All three checking options include electronic bill pay, access to Michigan First’s surcharge-free ATM network, and a Mastercard® debit/ATM card.
Popular
Premier Checking
Best if you are looking for: A full-featured everyday checking account without a monthly fee.
Classic Checking
Best if you are looking for: An everyday checking account that can support a fresh financial start.
Classic Checking provides everyday banking access while offering an option for members who may be working toward greater financial stability.
First Gear Checking
Best if you are looking for: A first independent checking account for a young adult.
First Gear Checking is designed for young adults ages 18-25, with availability beginning at age 17 with parental oversight. It includes tools for everyday banking plus benefits geared toward this stage of life.
Select the accounts you want to compare:
Classic Checking
First Gear Checking
Best for
Best for
Best for
Best for
Electronic bill pay
Electronic bill pay
Electronic bill pay
Electronic bill pay
30,000+ surcharge-free ATMs
30,000+ surcharge-free ATMs
30,000+ surcharge-free ATMs
30,000+ surcharge-free ATMs
Mastercard® debit/ATM card
Mastercard® debit/ATM card
Mastercard® debit/ATM card
Mastercard® debit/ATM card
No monthly fee
No monthly fee
No monthly fee
No monthly fee
Designed for ages 17–25
Designed for ages 17–25
Designed for ages 17–25
Designed for ages 17–25
Banking tools included with your account
Your checking account works alongside Michigan First’s digital banking tools to help you manage your money day to day.
Online Banking
Review balances and transactions, transfer money, pay bills, access statements, and manage account preferences.
Mobile Banking
Manage your accounts from your phone, deposit eligible checks, set alerts, control cards, and access other mobile banking features.
Account Alerts
Choose notifications for balances, purchases, withdrawals, declined transactions, and other account activity.
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.