It’s rewarding to be a Michigander — so we made a checking account that reflects that.
Grab a Michigan Made sticker from any local branch and show us your favorite places in Michigan to take Michigan Made Checking!
You’re already taking your Michigan Made Checking wherever you go, but now we want to see the proof! Pick up a Michigan Made sticker at your local branch, take it anywhere you go in Michigan this summer, and post a photo on social media in the comments, tag us @TRUECCU, or send us a Direct Message via social media! Share your favorite restaurants, activities, destinations and more from all around Michigan!
Key Features
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No Monthly Service Fee
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No Minimum Balance Requirement
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Earn Rewards
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Free Digital Banking
- Get rewarded for your account activity and relationship with us*
- Earn competitive dividends and ATM fee refunds
- No monthly service fee
- No minimum balance requirement
- Free Mastercard® debit card
- Free digital banking, including:
- Free mobile pay services available
- Surcharge-free ATMs available
- Overdraft privilege available
- No minimum deposit to open in person
- $200 minimum deposit to open online
How Does it Work?
You’ll be awarded points based on certain account activities and your relationship with us. Points are awarded each monthly cycle and determine your reward tier. Your reward tier dictates how much you’ll enjoy in dividends and ATM fee refunds. You can earn up to 5.25% APY and $10 in ATM fee refunds!*
Activities – Maximum 10 Points
1 point each for:
- eStatements
- Use mobile banking or online banking within 60 days
2 points each for:
- Direct deposit/auto bill pay
- Debit card with 10-24 transactions per cycle
- Credit card with 10-24 transactions per cycle
3 points each for:
- Debit card with 25+ transactions per cycle
- Credit card with 25+ transactions per cycle
Relationships – Maximum 6 Points
To earn points, loans and lines of credit must be in good standing and tied to Michigan Made Checking™.
3 points for ONE of the following:
- Consumer Loans (auto loan, recreational loan, personal loan)
- Home Equity Loan
- Line of Credit (with balance)
- Home Equity Line of Credit (with balance)
3 points for:
- Mortgage Loan
Examples
If you were to have these products:
- eStatements +
- Used online banking +
- Used your debit card 10 or more times +
- Had a direct deposit coming into your account, or an automatic payment coming out of your account
You would be in the Michigan Tier, earning up to 2.00% APY AND up to $10 ATM fee refunds per month!*
If you were to have these products:
- eStatements +
- Used online banking or mobile banking +
- Used your credit card 10 or more times +
- Had a direct deposit coming into your account, or an automatic payment coming out of your account
- Used your debit card 25 or more times +
- Had an auto loan with us
You would be in the Superior Tier, earning you up to 5.25% APY AND up to $10 ATM fee refunds per month!*
For a full list of the tiers, check out the section below!
The Michigan Made Checking™ account features five reward tiers, named for our Great Lakes. Each reward tier offers varying interest rates with the opportunity to earn up to 5.25% APY and ATM fee refunds on select tiers.*
Reward Tier |
Balances up to $10,000 |
Balances up to $10,001-$20,000 | Balances up to $20,001-$999,999,999 | ATM FREE Refunds |
Erie 0-1 Point |
0.00% APY* | 0.00% APY* | 0.00% APY* | |
Ontario 2-3 Points |
0.25% APY* | 0.25% APY* | 0.05% APY* | |
Huron 4-5 Points |
0.50% APY* | 0.25% APY* | 0.10% APY* | |
Michigan 6-10 Points |
2.00% APY* | 1.00% APY* | 0.35% APY* | Up To $10 |
Superior 11+ Points |
5.25% APY* | 2.25% APY* | 1.50% APY* | Up To $10 |
With a TRUE Community Visa, you can earn more points and move up a reward tier with your Michigan Made Checking™ account! Save money and save on interest and receive no monthly fees and free cash advance!