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.
Compare Checking Accounts
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Interest Checking
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Go Blue™ Checking
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Lions Checking Money
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Interest Checking
$8.00 if the balance falls below $500 |
Go Blue™ Checking n/a | Lions Checking Money n/a | |
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Interest Checking
Tiered Based on Balance
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Go Blue™ Checking
0.00% |
Lions Checking Money
0.00% |
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Interest Checking
$2,000 to earn interest |
Go Blue™ Checking n/a | Lions Checking Money n/a | |
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Interest Checking
Yes - free |
Go Blue™ Checking
Yes - free |
Lions Checking Money
Yes - free |
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Interest Checking
Yes - No opt-in fee |
Go Blue™ Checking
Yes - No opt-in fee |
Lions Checking Money
Yes - No opt-in fee |
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Interest Checking
Yes - free |
Go Blue™ Checking
Yes - free |
Lions Checking Money
Yes - free |
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Interest Checking
Yes - free |
Go Blue™ Checking
Yes - free |
Lions Checking Money
Yes - free |
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Interest Checking
Yes - free |
Go Blue™ Checking
Yes - free |
Lions Checking Money
Yes - free |
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Interest Checking
Yes - free |
Go Blue™ Checking
Yes - free |
Lions Checking Money
Yes - free |
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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!
Go Blue™ Basic Checking
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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
Interest Checking
- Online Banking
- Mobile Banking
- Debit card with EMV chip for added security
- Overdraft protection
- Unlimited check-writing privileges
- Free online check images
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
Related Resources
Common Questions
The requirements to open a checking account with UMCU are minimal, so enjoy a seamless process. Here's what you'll need:
- $5.00 to fund your account. This deposit opens your account with the credit union. When you open your account online, we'll cover the $5.00 deposit for you!
- A valid form of ID
And that's it!
Disclaimer
*Fees may reduce the earnings on the Interest Checking Account
**APY = Annual Percentage Yield