Checking Accounts | Michigan Credit Union Checking

It's the perfect account for Michigan Wolverines and fans. It's all the basics and a lot more.

It's a full-service checking account with an extra advantage. You'll make the most out of every dollar when you earn interest on your deposits.

Debit Cards

Easily access your funds wherever you go. Withdraw money from ATMs and make purchases worldwide.

UMCU Checking Accounts

Effective Date: Thursday, February 27th, 2020

	Go Blue Checking	Interest Checking
Monthly Fee	N/A	$8.00 if balance falls below $500
Rate	0.00%	Tiered Based on Balance $2,000-4,999 - 0.15% APY* $5,000-9,999 - 0.16% APY $10,000 - 24,999 - 0.20% APY $25,000+ - 0.30% APY
Minimum Balance	N/A	$2,000 to earn interest
Debit Card	Yes - free	Yes - free
Overdraft Protection Available	Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay	Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay
Online Banking and Mobile App Access	Yes - free	Yes - free
Bill Pay	Yes - free	Yes - free
Online Check Images	Yes - free	Yes - free
eStatements	Yes - free	Yes - free
Online Check Recordings	Yes - free	Yes - free

APY = Annual Percentage Yield
Fees may reduce the earnings on the Interest Checking Account.

Credit Cards

Whether you're looking for a lower interest rate card or on with a cash-back bonus, UMCU has credit card options that will fit your needs.

Learn More

Courtesy Pay

Courtesy pay is an additional service provided to members to use in case of an emergency. This can be used when writing a check, authorizing an ACH transaction or using your debit card. If funds are not available for any reason, Courtesy Pay will cover your purchase.

Learn More

Overdraft Protection

Sometimes the unexpected happens, and UMCU’s Overdraft Protection can help you manage those moments and gain peace of mind. This service will automatically transfer funds, for a small fee, from your UMCU savings, Visa or Line of Credit if there’s not enough funds in your checking account to support a preauthorized transaction.