Michigan First Credit Union
Bank
Savings Accounts
Earn 10.00% APY on your savings

Grab our very best rate yet on SavingsPlus balances up to $5,000
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Credit Cards
More purchasing power for your business

Manage expenses with competitive rates and no annual fee.
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Down Payment Assistance
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Insure
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Education
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About
About Us
A century of putting people first

Explore the people, milestones and mission behind Michigan First.

Business Checking Accounts

Banking solutions that fit your company's unique needs.
Everyday convenience
Multiple debit cards
Security and access level permissions

Keep the focus on your business.

Running a business takes enough time without making everyday banking complicated. Michigan First Business Checking gives you convenient tools to manage deposits, purchases, payments, and other day-to-day transactions.

The current account includes no minimum checking balance, no check-processing fees, no monthly service charge, and debit cards for multiple authorized users. 

Business Checking benefits

  • No minimum checking balance
  • No check-processing fees
  • No monthly service charge
  • Debit cards for multiple users
  • Business name printed on each debit card
  • PIN and signature-based debit transactions
  • 30,000+ surcharge-free ATMs nationwide
  • Online and mobile banking access
  • Contactless payment capability

Save more on everyday business purchases

Your Michigan First Mastercard® business debit card can help you save on eligible purchases through Mastercard Easy Savings®.

There is no enrollment fee, no coupons, and no promo codes to manage. Simply use your eligible Michigan First business debit card at participating merchants, and qualifying rebates are automatically applied to your account each month.

Where you can save

Current offers include savings at more than 50,000 participating merchants, including:

Drive and save

Save 1% on fuel at over 19,000 gas stations

Dine and save

Save 4% at over 20,000 top dining destinations

Stay and save

Save 4% at over 5,000 hotels

Manage the day‑to‑day and save

Save 2%–25% on a range of business services

Travel and save

Save 5% on car rentals

How Mastercard Easy Savings works

Use your eligible Michigan First Mastercard® business debit card for qualifying purchases at participating merchants. Any applicable rebate is calculated automatically and credited back to your account, so there is no separate reimbursement process to manage.

Accepting customer payments too?

Easily accept credit card, debit card, ACH, and other electronic payments with Merchant Services.

Frequently asked questions

View All FAQs

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.

Michigan First offers business checking and money market accounts, along with online and mobile banking, business debit cards, and additional services designed to help businesses manage their finances. Available features vary by account.

Resources to help your business move forward.
Digital Banking
Payroll Services
Security Center
Knowledge to support your business.
Online Learning
Build a personalized learning playlist

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

Online Learning

Simplify your business finances.

Manage payments, cash flow and everyday financial operations more efficiently.
Explore Cash Management

*Restrictions apply. Rebates currently available for qualifying eligible purchases at participating merchants. Rebate offers are subject to change. Returns and other merchant credits on qualifying eligible purchases that received a rebate will result in a reversal of a portion or all of the original rebate. Mastercard Easy Savings Program will be received on top of merchant discounts and cash rewards. PIN-based debit, International and corporate transactions are ineligible. Non-tap transactions also qualify.

All third-party trademarks are the property of their respective owners. Mastercard and Mastercard Easy Savings are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated. ©2019 Mastercard. All rights reserved.