FAQs
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Find clear answers to common questions about banking, borrowing, mortgages, business services, digital tools and more. Browse by topic to quickly find the information you need - or contact Michigan First if you’d like personalized help.
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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.
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.
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 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. 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. 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. 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.
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.