Checking that earns more. Banking that costs less.

Free Checking and Advantage 50 Checking have no monthly fee. Max Checking has no monthly fee either — though requirements apply to earn the full interest rate. Investor Checking carries a $10 monthly fee, which is waived when you maintain a $2,500 average monthly balance. No hoops you weren't told about upfront. That's the credit union difference. 

Most Michigan checking accounts at big banks come with a catch: earn a better rate, but only if you bundle a savings account or maintain a relationship balance. LMCU's Max Checking earns up to 4.00% APY without a required banking relationship. No bundling. No relationship balance. Just a credit union checking account that earns on its own.

Yes. LMCU's Free Checking is exactly what it sounds like: no monthly fee, no minimum balance, and no requirements to maintain it. For banks in Michigan with free checking, the fine print often tells a different story. LMCU's Free Checking is genuinely free — and comes with a debit card, online banking, and access to 55,000+ Allpoint ATMs.

Absolutely. LMCU serves members across Western Florida, with 23 branch locations and online account opening available. Whether you're in the Tampa Bay area or Southwest Florida, you can open a checking account online or stop into a branch near you. Membership is open to anyone who qualifies — and getting started takes minutes.

Most Florida checking accounts at big banks come with a catch: earn a better rate, but only if you bundle a savings account or maintain a relationship balance. LMCU's Max Checking earns up to 4.00% APY without a required banking relationship. No bundling. No relationship balance. Just a credit union checking account that earns on its own.

To earn the full interest rate on Max Checking, certain monthly requirements apply — typically including debit card transactions, direct deposit, online banking enrollment, and eStatements. Check the current Max Checking page for the specific requirements, as they may be updated. Members who don't meet requirements in a given month still earn a base rate with no penalty

If you're looking for the best bank in Michigan for checking accounts that earns real interest, Max Checking is worth a close look. It earns up to 4.00% APY when monthly requirements are met — no relationship balance required, no bundled savings account needed. For a high interest checking account in Michigan without the conditions most banks attach, it's a strong option. See current rates and requirements on the Max Checking page.