Here for all the ways you bank.

When you open a checking account at M1, you gain access to a world of perks, simple as pie checking, and hassle-free banking for your everyday needs.

M1 Checking Accounts come with excellent perks – available to all who meet certain criteria.

Earning more is simple! To unlock all the benefits of M1 Checking each month, just:

• Go digital – Enroll in eStatements

• Stay connected – Log in to online banking at least once per month

• Get paid your way – Receive a direct deposit of $800 or more (across all accounts)

• Use your debit card – Make at least 10 transactions of $5 or more

• Keep your loans in good standing – No delinquent M1 loans

• Set it and forget it – Make at least two ACH payments from your M1 Checking each month

"Great credit union and super friendly staff. Always there to help with you."

Member

"The people that work here are awesome! Very personable and you feel like family. Could not be happier with this small town feel with big city offering credit union."

Member

"I've have been a member for 25 years. They have always been very helpful! I wouldn't dream of leaving Michigan One!"

Member

Get answers to common questions about M1 Checking

Yes – you'll need $5 to open and maintain an M1 Checking Account. 

Anyone who lives, works, worships, or attends school in the state of Michigan can open an account! 

If you open an account online, your debit card will be mailed to you within 2-5 business days. If you need a debit card sooner, however, you can visit any of our branches and get an instant-issue card.

You can earn interest on your M1 Checking Account balance by meeting the following requirements each month: enroll in eStatements, log in to online banking at least once per month, receive a direct deposit of $800 or more (across all accounts), make at least 10 transactions of $5 or more with your debit card, be in good standing with all M1 loans, and make at least two ACH payments from your M1 Checking each month.

We're here for every Michigander with friendly, local service, financial expertise, and resources that make a real difference in your daily life.

• Better rates – We're not-for-profit, meaning more of your money stays right in your pocket.

• Better service – Unlike big banks, we're all local and ready to help.

• Better community – Your finances are a big part of daily life. Keep it local with M1!

*Your prospective dividend rate and annual percentage yield will equal the highest rate tier matching your daily balance and will be paid on the entire balance in your account. The dividend period is monthly. The dividend rate and annual percentage yield may change every month as determined by your board of directors.