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Get a CareFree Checking at Michigan One Community Credit Union

Call or Stop In today to open an Account!

Checking Accounts that are Perfect for You


  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • Chance to Win a Grand Prize
  • Buy back of your unused checks and debit cards from another financial institution

Direct Deposit

You and your family members can have your net pay or other recurring income checks as well as any other payroll deduction deposited directly into your account.  Members 50 years and over receive free checks if they use this service!

Direct Deposit may be used for:

  • Any employer willing - ask your payroll office!
  • Social Security Checks
  • Federal Government Payroll Checks
  • State of Michigan Payroll Checks
  • State Retirement Pension Checks
  • Public School Payroll Checks
  • County, City and other Municipal Payroll Checks
  • Deferred Comp and other annuity

careFree Checking

A FREE account for everyone with no minimum balance and no monthly service charge.

careFull Checking

A perfect account for members 50 and over or those with direct deposit!

careFULL checking includes one FREE box of M1 personalized checks per year (if member is 50 and over OR has direct deposit), competitive interest, no minimum balance and no monthly service charge. 

carePlus Checking

An account for those interested in higher interest!

carePLUS Checking includes one FREE box of M1 personalized checks per year, higher interest rate with higher balances, competitive interest if balance falls below $1,500. Only $8 monthly charge if minimum balance falls below $1,500.


Need a Better Business Account?

careFree Business

Checking Perfect for most businesses! careFREE Business Checking includes 1,000 FREE monthly transaction items, no minimum balance, no monthly service charge, and up to $10,000 currency deposited per month.

FREE Business Interest

Checking Designed for businesses with higher balances! FREE Business Interest Checking includes 1,000 FREE monthly transaction items, competitive interest, only $1,500 minimum balance to avoid a low monthly fee of $8, and up to $10,000 currency deposited per month FREE.

Call or stop in today to open a checking account at Michigan One Community Credit Union!


In many of our electronic services, such as i.Teller, M1.Mobile and 24-Hour Teller, you will see or hear the term "Available Balance."

Available Balance = Current Ledger Balance + Overdraft Privilege Funds - Pending Authorization Holds

Your checking account's Available Balance may include up to $828 (if you have direct deposit) or $628 (if you do not have direct deposit) of the unused portion of Overdraft Privilege. OP funds can be used for Visa Debit Card purchases if you have opted in.The OP fee of $28 is subtracted at the time of overdraft.

Equal Housing Lender National Credit Union Administration