Student Accounts | Michigan Credit Union

We've Got your banking needs covered in and beyond college.

The UMCU Student Account Package is an all-inclusive bundle created with college students in mind to make banking simple and convenient while you're in school and after you graduate.

In addition to the Student Account Package, you can enjoy extra features, including:

UMCU mobile banking app
Mobile wallet for a quicker checkout experience - Apple Pay, Google Pay, Samsung Pay
Conveniently-located branches and ATMs across campus and around southeast Michigan
Free, unlimited access to CO-OP Network ATMs and shared branches nationwide

For a limited time, receive a Block M sweatshirt after opening a student package!

Free Debit/Checking Account

Go Blue Basic Checking is the account you need for everday spending like buying textbooks, grabbing coffee, and more. There is no minimum balance, no monthly fees and it comes with a free debit card featuring exclusive Michigan designs.

Savings Account

Your access to all the benefits of being a UMCU member starts here. By staying connected to this account 24/7 with the UMCU mobile app, you can begin growing the money you need to reach your short- and long-term goals.

Low rate credit card

Establishing healthy credit is essential for life events now and after college, including buying a car, getting a job, renting an apartment and more. With no annual fee, UMCU's low-rate Visa Platinum Optimum credit card is the tool you need to start building a strong financial future.

Financial Wellness Program

Learning to manage your finances doesn't have to be a lesson you learn on your own! UMCU's free Financial Wellness Workshops are designed to help college students learn valuable money management skills. Enjoy free access to online and in-person workshops year-round, as well as one-on-one financial counseling!

CREATED FOR THE BLUE IN YOU

Insured by the NCUA.

*A savings account is required to open a debit/checking account. The minimum balance required to open a savings account is $5.00. The current savings account Annual Percentage Yield of 0.05% is a variable rate and may change at any time.

† Offer subject to credit approval. APR as low as 8.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.

**A $30 fee may be imposed for covering overdrafts created by check, ACH, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing.

***Must be an UM or WCC student to be eligible to receive a free sweatshirt. Offer valid while supplies last. Checking account must be open and in good standing at the time sweatshirt is mailed out. Sweatshirt will be mailed out within 4-6 weeks of account opening.