Michigan First Credit Union
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Earn 10.00% APY on your savings

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About Us
A century of putting people first

Explore the people, milestones and mission behind Michigan First.

Premier Checking Account

Experience an easier way to do your banking.
Everyday convenience
Nationwide ATM access
Earns dividends
More Checking Account Options

Checking made for everyday life.

Premier Checking makes it easier to manage your day-to-day finances with convenient access to your money and the digital tools you use most.

Pay bills, make purchases with your Mastercard® debit card, access thousands of surcharge-free ATMs, and manage your account through Online Banking or the Michigan First Mobile App. 

Premier Checking benefits

  • Mastercard® debit/ATM card
  • More than 30,000 surcharge-free ATMs nationwide
  • Online and mobile banking
  • Electronic bill pay
  • Unlimited check writing
  • 24/7 support through 365 Live
  • MoneyNow Overdraft Protection
  • Contactless payment capability
  • Dividends on qualifying balances

Bank wherever life takes you

Premier Checking works alongside Michigan First’s digital banking tools so you can stay connected to your money wherever you are.

Use Online Banking and the Mobile App to check balances, review transactions, transfer funds, make payments, access statements, and manage other everyday account needs.

Premier Checking Account dividends

Premier Checking currently earns dividends on qualifying balances. Review current rates and APYs to see how your account balance may earn.

Effective Date: 7/1/2026
APY1
Dividend Rate
Daily Balance
0.00% 0.00% $1 to $10,000
0.25% 0.25% $10,000.01 and up

Choose a debit card that fits you

Premier Checking includes a Mastercard® debit/ATM card, with multiple available designs and contactless payment capability.

Ready for easier everyday banking?

Open a Premier Checking account and get convenient access to the tools you need to manage your money day to day.

Frequently asked questions

View All FAQs

Michigan First members have access to approximately 30,000 surcharge-free ATMs nationwide through the CO-OP ATM network, including more than 1,600 in Michigan. Use Michigan First’s location finder or the Michigan First mobile app to find a participating ATM near you. The owner of an ATM outside the network may charge a fee.

Michigan First offers Premier Checking, Classic Checking, and First Gear Checking. Premier Checking is designed for convenient everyday money management, Classic Checking provides a straightforward option for members establishing their banking relationship, and First Gear Checking is designed for young adults ages 17-25. Compare Michigan First checking accounts to find the option that fits your needs. 

Yes. Michigan First offers checking account options with no monthly maintenance fee, including Premier Checking and First Gear Checking. Account features and eligibility requirements vary, so review each option before opening an account.

Michigan First deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000 and privately insured by Excess Share Insurance for up to an additional $250,000. Together, this provides up to $500,000 in coverage for qualifying deposits based on account ownership category. Coverage applies to eligible checking, savings, money market, and certificate accounts.

Yes. Michigan First offers two options that may help cover transactions when your checking account does not have enough available funds. Overdraft Transfer Service transfers available money from a linked savings account, while MoneyNow is an overdraft line of credit available to qualifying members. Fees and eligibility requirements may apply.

Yes. Michigan First members can use Online Banking and the Michigan First Mobile App to view balances and transactions, transfer money, pay bills, deposit checks, access statements, create account alerts, and manage eligible debit and credit cards. The mobile app is available for Apple and Android devices.

Yes. Eligible members can use Mobile Check Deposit to deposit personal checks and paychecks using the camera on an Apple or Android device. Follow the instructions in the Michigan First Mobile App and retain the original check until you confirm that the deposit has been accepted.

Yes. Zelle® is available through the Michigan First Mobile App and Online Banking. Eligible members can use it to send or receive money with people they know and trust using an email address or U.S. mobile number.

Resources to help manage your money.
Online Banking
Mobile Banking
Account Alerts
Build stronger money habits.
Online Learning
Build a personalized learning playlist

Online learning modules built to help you reach your financial goals.

Online Learning
Virtual Seminars
Saving for a home?

Our Mortgage Seminars can help guide you as you begin your homebuying journey.

Virtual Seminars About Mortgages
Blog
The Power of Compound Interest

You've probably heard of the age-old advice about the importance of saving for retirement and the wisdom of starting early. But why is the timing of your savings more critical than the amount you save? The answer lies in a simple yet powerful concept: compound interest.
Blog
Building an Emergency Fund: How Much to Save?

Life can be unpredictable, and emergency fund is essential for financial stability in the face of unexpected expenses.

Banking designed for young members.

Help your child learn to save, spend and manage money with confidence.
Youth Accounts

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

1 APY = 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.