Search / Checking accounts by state / Michigan Low-cost checking accounts in Michigan There are 40 Bank On certified checking accounts available to residents of Michigan. Of those, 25 carry a $0 monthly maintenance fee and 36 charge no overdraft fees at all. 18 come from local or regional institutions rooted in Michigan, while 22 are offered by national banks serving customers across the country.
Certified accounts 40
$0 monthly fee 25
No overdraft fees 36
Local institutions 18 Mercantile Bank
MercStart Fresh Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Capital One
360 Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 70,000+ Farmers Insurance Federal Credit Union
Zero-Fee Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
CIBC Bank USA
EasyPath Access Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. First Independence Bank
First Choice Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. United Bay Community Credit Union Clean Slate
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs CO-OP Network Adventure Credit Union
Rise Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Bank of Ann Arbor
Upside Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. CASE Credit Union
Empower Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Cornerstone Community Financial Credit Union
Fresh Start Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 30,000+ Members First Credit Union
Thrive Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Range Bank
My Spend - Teen Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. The State Bank Gain Control
Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Alliant Credit Union
High-Rate Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Alliant Credit Union
Teen Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Ally Bank
Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ Bank of America
SafeBalance Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Chase
Secure Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 14,000+ LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ nbkc bank
Everything Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 90,000+ Discover Bank
Cashback Debit Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Quorum Federal Credit Union
QFlex Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs None (No fees for using any ATM) Wintrust Community Banks Money
Smart Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $10
Overdraft fees None
Free ATMs 6+ KeyBank Hassle-Free
Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $10
Overdraft fees None
Free ATMs KeyBank Independent Bank
Opportunity ONE Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $0
Overdraft fees None
Free ATMs 32,000+ First State Bank
Ri$e Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $50
Overdraft fees Yes
Free ATMs 1+ First Merchants Bank
Simple Access Online bill pay Mobile check deposit Debit card
Monthly fee $4.00
To open $0
Overdraft fees None
Free ATMs 40,000+ Citizens Bank
Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 60,000+ Range Bank Blue Path
Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 55,000+ Fifth Third Bank
Express Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs nationwide network of fee-free ATMs Flagstar Bank
Flagstar One Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs 56,000+ Vibe Credit Union
Vision Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 30,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Old National Bank
EZ Access Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $6.95
To open $50
Overdraft fees Yes
Free ATMs 55,000+ nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ Security Credit Union
Opportunity Checking Online bill pay Mobile check deposit Debit card
Monthly fee $12.95
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Next steps for Michigan residents