Checking Accounts | Michigan Credit Union Checking

It's the perfect account for Eastern Michigan Eagles 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

Use your card at millions of stores, hotels and restaurants. Withdraw money at thousands of surcharge-free ATMs around Michigan and across the country.

Tier	Interest Rate	Annual Percentage Yield
Interest Checking
$2,000-$4,999.99	0.05%	0.05%
$5,000 - $9,999.99	0.06%	0.06%
$10,000 - $24,999.99	0.07%	0.07%
$25,000+	0.08%	0.08%

Tier	Interest Rate	Annual Percentage Yield
Advantage Business Checking
$2,000 - $4,999.99	0.05%	0.05%
$5,000 - $9,999.99	0.06%	0.06%
$10,000 - $24,999.99	0.07%	0.07%
$25,000+	0.08%	0.08%

Credit Cards

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

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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.

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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 from your UMCU savings if there’s not enough funds in your checking account to support an upcoming transaction.