Interest Checking Account | MI Checking Account

Discover another way to earn a little extra.

Along with all of the features of Basic Checking, our Interest Checking also rewards you for keeping a healthy balance. Our Interest Checking Account pays you interest every month that you maintain a minimum balance of $2,000.

Free Online Banking
Free Online Bill Pay
Free Mobile Banking app
Debit card with EMV chip for added security
Free eStatements
Overdraft protection
Unlimited check-writing privileges
Free online check images

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.