Checking Accounts

Show your pride, grow your balance, or keep it simple—UMCU’s checking options are designed to match your lifestyle, with no monthly fees and exclusive debit card designs you won’t find anywhere else.

Open An Account Get a Recommendation

Our Checking Account Options

Go Blue^™ Basic Checking

Streamline Your Finances with the Exclusive Go Blue Basic Checking

This basic checking account is ideal for people who want a convenient, no-frills approach to finance. And it's the ONLY place you'll find exclusively branded University of Michigan debit cards featuring the iconic Block M™ and Wolverine helmet designs!

Open an account Learn more

No Minimum Balance
No Monthly Maintenance Fees
Exclusive Block M® and Winged Helmet Debit Card

Lions Checking

Lions Checking: No Fees, No Minimums, All Detroit Pride

Lions Checking exclusively at UMCU with no minimum balance and no monthly maintenance fees. With your Lions Checking, you can choose between four Lions debit card designs ONLY available at UMCU.

Open an account Learn more

No Minimum Balance
No Monthly Maintenance Fees
Four Exclusive Lions Debit Card Designs

Interest Checking

Turn Your Checking Account Into a Smart Investment

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.

Open an account Learn more

Pay interest on balances over $2,000*
Digital Tools to Manage Funds
Online Check Recordings

Debit Cards

Manage Your Money Anywhere with UMCU’s Fee-Free Debit Cards

Exclusive branded debit cards from UMCU allow you to access your funds quickly wherever you go. They are an easy way to access cash from over 30,000 ATMs or make purchases without a finance charge.

Open an account Learn more

No Annual Fee
No Transaction Fee through Co-Op network
Digital Tools to Manage Funds

Compare Checking Accounts

Interest Checking

Go Blue™ Checking

Lions Checking Money

Compare All

Interest Checking	Go Blue™ Checking	Lions Checking Money
Interest Checking $8.00 if the balance falls below $500	Go Blue™ Checking n/a	Lions Checking Money n/a
Interest Checking 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	Go Blue™ Checking 0.00%	Lions Checking Money 0.00%
Interest Checking $2,000 to earn interest	Go Blue™ Checking n/a	Lions Checking Money n/a
Interest Checking Yes - free	Go Blue™ Checking Yes - free	Lions Checking Money Yes - free
Interest Checking Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay	Go Blue™ Checking Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay	Lions Checking Money Yes - No opt-in fee $2 fee for each transfer from another account $30 fee for each Courtesy Pay
Interest Checking Yes - free	Go Blue™ Checking Yes - free	Lions Checking Money Yes - free
Interest Checking Yes - free	Go Blue™ Checking Yes - free	Lions Checking Money Yes - free
Interest Checking Yes - free	Go Blue™ Checking Yes - free	Lions Checking Money Yes - free
Interest Checking Yes - free	Go Blue™ Checking Yes - free	Lions Checking Money Yes - free
Interest Checking Yes - free	Go Blue™ Checking Yes - free	Lions Checking Money Yes - free

Not sure what to choose? Let us help.

At UMCU, we offer a variety of checking accounts to fit your lifestyle—whether you’re looking for exclusivity, earning potential, or simple convenience. Explore your options below and find the perfect match!

I'm looking for...

Go Blue™ Basic Checking

No Minimum Balance
No Monthly Maintenance Fee
No Minimum Deposit

Digital Banking Tools
Overdraft Protection
Fee-Free ATM Access

Learn More

Lions Checking: No Fees, No Minimums, All Detroit Pride

No minimum balances - you decide how much stays in your account
Online bill pay - automatic withdrawal from your checking account means bills are always paid on time
No monthly maintenance fees
Free access to over 30,000 ATMs in the nationwide co-op network

Learn More

Interest Checking

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

Learn More

Debit Cards

Use at ANY location worldwide - wherever Visa is accepted
No annual fees
Mobile Banking
Tap-to-pay technology for added security, quicker processing, and contactless payments
Fee-free access at 30,000+ CO-OP network ATMs nationwide
Instant Issuance Debit Card at Branch locations

Learn More

Related Resources

Webinars

Events

Downloads

Calculators

Common Questions

It depends on your financial goals! The Platinum Optimum is great for establishing or rebuilding a credit score while the Platinum Cash Back gives you 1.10% back on EVERY purchase. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!

See All FAQs

Disclaimer

*Fees may reduce the earnings on the Interest Checking Account

**APY = Annual Percentage Yield