Accelerate into first gear with Young & Free Michigan. Our First Gear Account® is the ultimate toolkit for the 25-and-under crowd, providing the financial services you need (plus a few other perks) to easily gain real-world momentum. Ask for the First Gear Account—available only at Michigan First!

Free, unlimited and available 24/7

  • First Gear Checking with no monthly or per-check fees and UNLIMITED check writing
  • FREE custom MasterCard® Debit Card with UNLIMITED ATM & debit card transactions
  • Unlimited FREE ATM withdrawals at more than 30,000 ATMs in the Co-op Network
  • Plus… two FREE ATM withdrawals monthly at non Co-op ATMs
  • MoneyNow overdraft protection plus “OOPS FORGIVENESS”*
  • FREE Online Banking, Bill Pay, and Mobile Banking
  • FREE Direct Deposit and e-Statements
  • First Gear Savings Account with NO MONTHLY FEES
  • PLUS monthly interest based on a tiered balance

Exclusive Oops Forgiveness*

Sometimes you have slip-ups. It happens. With MoneyNow from Michigan First, you may be able to avoid the embarrassment of a returned check or declined point-of-sale transaction. Up to a pre-set limit, transactions that overdraw your account may be honored for a fee. But good news – First Gear Account holders can receive one OOPS Fee rebate every six months to cushion a slip-up and reverse your fee. It’s the perfect opportunity to learn positive account management. Each Oops Forgiveness must be requested by you, and will be honored one per 6-month period.

*Once you’re 18 and your First Gear Account has been open for at least three months, you’ll be eligible for MoneyNow overdraft protection and Oops Forgiveness refunds. Account must be in good standing to erase a past MoneyNow overdraft fee.

More perks exclusively for First Gear

  • No minimum balance fees on your First Gear Savings Account
  • 1% DISCOUNT on your auto loan rate*
  • Earn DOUBLE MoneyPerks reward points for doing stuff you do anyway – like using e-Statements or direct deposit*

*Auto loan rate discount for new loans only. Double points applicable to eStatements and Direct Deposit usage, not to deposit interest and loan interest.

Bank on the go with Michigan First Mobile

Michigan First Mobile lets you easily bank anywhere, anytime using your mobile device. It’s available via the mobile web, text, or downloadable app for your Droid, iPhone, Blackberry and other mobile devices. Your Michigan First Mobile login information is even the same as your Online Banking username and password — no need to remember multiple information. With Michigan First Mobile, you can:

  • View account balances & transactions
  • Transfer funds between your First Gear accounts and loans
  • Pay bills with Online Bill Pay
  • Make a payment to a Michigan First loan
  • Find a nearby branch or FREE ATM
  • View contact info and easily call Michigan First
  • Deposit checks directly from your Android or Apple smartphone

Custom First Gear Online Account Management

First Gear is truly a one-of-its-kind when it comes to online account management. Plus, you can enjoy convenient FREE features such as:

  • View account balances & transactions
  • Transfer funds between your First Gear accounts and loans
  • Scan and deposit a check with a basic scanner*
  • Set up e-Alerts via text or email
  • Set up budgets and view reports
  • View and pay bills with Online Bill Pay
  • View or download your FREE e-Statements
  • View and print images of cleared checks
  • View your MoneyPerks® Points balance
  • Request that a check payment be stopped
  • Download transactions to Quicken® or Microsoft Money® for a total financial management picture
  • Live-chat with us if you have any questions

*EZ Scan&Deposit® not available to all members.

Interested? Get started now

If you’re between 17 and 25 years old and qualify for membership at Michigan First, you’re ready! Please visit any of our branches to open your account today.

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Auto insurance, rental insurance, house insurance—we’ve got it all! Check out Michigan First Insurance Agency for all your insurance needs.

Why Michigan First?

Michigan First exists to serve its membership, it's that simple. We have a rich history of serving Michigan, we’re local and we’re dedicated to helping you make your life everything it can be. Our company has a vision: To be the best and most highly regarded financial institution for our members. Our mission is to be the only financial institution for our members.

You belong to an award-winning credit union!

Michigan First received top honors from the Credit Union National Association and we are a proud recipient of the Louise Herring Philosophy-in-Action Member Service Award! In the credit union industry, this is big news and a cool award! The award recognizes our efforts to better engage 17-25 year olds with our First Gear® checking account, part of Young & Free Michigan.

Amazing access

You are always close to your money at Michigan First. We serve our members throughout the state of Michigan with several branch locations to choose from. In addition, Michigan First is part of the CU Service Centers Network which allows access to your account in over 6,600 credit unions world-wide.

Who can join?

If you're not yet a member, you could be!If you live, work, or worship in the state of Michigan, or you are a student, alumni, or faculty member of one of the many educational organizations affiliated with Michigan First, you can join our ever-growing family. We now serve more than 105,000 members and have grown into a $750 million financial institution. We've provided financial stability to our members since 1926. We're continually growing and innovating to offer the financial solutions our members need today, and tomorrow.  

Learn more by visiting MichiganFirst.com.


Is my money secure with Michigan First?

Your deposits at Michigan First are federally insured up to $250,000 by NCUA, a U.S. government agency. Plus, your member-elected board members and appointed committee members work with Michigan First management to ensure that established policies, procedures and safeguards are followed, to ensure the safety of your money.