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Michigan First BankMember FDIC · Est. 1974
Online Banking
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Home  /  Personal Banking

Personal Banking

Everyday checking, high-yield savings, and cards designed around real Michigan households.

Checking & Savings

Simple accounts, no surprise fees, and secure 24/7 online access.

Free Checking

No monthly fee, no minimum balance, free debit card and mobile deposit.
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Interest Checking

Earn 0.75% APY with $1,500 average balance. Unlimited transactions.
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High-Yield Savings

4.35% APY, no minimum. Automatic transfers from checking.
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Certificates of Deposit

Terms from 6 to 60 months. 12-month CD at 4.75% APY.
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Cards that work for you

The Michigan First Visa® debit card comes standard with every checking account, with instant lock/unlock and real-time purchase alerts from the mobile app.

MFB Rewards Credit Card

  • Unlimited 1.5% cash back on every purchase
  • No annual fee
  • 0% intro APR for 12 billing cycles on balance transfers
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Digital banking

Bank the way you live. Deposit checks with your phone, pay bills, send money to friends, and set alerts that keep you a step ahead.

  • Mobile check deposit
  • External transfers & bill pay
  • Card controls and travel notices
  • FICO® score, updated monthly

✓ Secure Online Banking

128-bit encrypted sign-on, account alerts, and 24/7 fraud monitoring on every account.

✓ $0 Fraud Liability

You're never responsible for unauthorized online transactions when reported promptly.

✓ Local, Since 1974

Personal bankers at every Michigan branch — decisions made close to home.