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Bank Michigan

PERSONAL CHECKING ACCOUNT OPTIONS

At Bank Michigan, our primary goals are to keep your funds secure, help you grow your finances to meet your goals, and to provide the greatest value possible to help your money do more. We are a safe, secure, and stable financial institution focused on doing what is best for our customers and communities by protecting and preserving their financial resources.

Depending on what you're looking for, we provide products to help you manage your day-to-day cash needs, a secure stable return, also the advantage of seeing your money, hard at work, benefiting the community you live and work in.

With the Community Checking Offerings, Bank Michigan keeps your money local, and offers great advantages such as IDProtect® - identity theft monitoring and resolution service, cellular telephone protection, $hopping RewardsTM, mobile banking and much more.

Advantage
Checking

Requirements
$50 to Open
Monthly Service Charge
$5.00 - Additional $3.00 monthly fee will be assessed if you do not enroll in E-statement
Monthly Statement Fee
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Interest
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Minimum Balance
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Bounce Protection
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Debit/ATM
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Check Limit
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Check Safekeeping
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Value Pack
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Online Banking & Bill Pay
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24 Hour Telephone Banking
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Mobile Banking
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Text Banking/Alerts
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Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
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Benefits

Clearly Free
Checking

Requirements
$50 to Open
Monthly Service Charge
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Monthly Statement Fee
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Interest
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Minimum Balance
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Bounce Protection
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Debit/ATM
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Check Limit
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Check Safekeeping
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Value Pack
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Online Banking & Bill Pay
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24 Hour Telephone Banking
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Mobile Banking
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Text Banking/Alerts
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Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
checkmark
Benefits

50 or Better
Checking

Requirements
$50 to Open, Must be 50 Years of Age to Open
Monthly Service Charge
checkmark
Monthly Statement Fee
checkmark
Interest
checkmark
Minimum Balance
checkmark
Bounce Protection
checkmark
Debit/ATM
checkmark
Check Limit
checkmark
Check Safekeeping
checkmark
Value Pack
checkmark
Online Banking & Bill Pay
checkmark
24 Hour Telephone Banking
checkmark
Mobile Banking
checkmark
Text Banking/Alerts
checkmark
Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
checkmark
Benefits

High Interest
Platinum Checking

Requirements
$50 to Open
Monthly Service Charge
$6.00
if $1,500 Daily balance is not maintained>
Monthly Statement Fee
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Interest
Yes
Tiered Interest Rates
Minimum Balance
$1,500 Daily
to Avoid Monthly Fee
Bounce Protection
checkmark
Debit/ATM
checkmark
Check Limit
checkmark
Check Safekeeping
checkmark
Value Pack
checkmark
Online Banking & Bill Pay
checkmark
24 Hour Telephone Banking
checkmark
Mobile Banking
checkmark
Text Banking/Alerts
checkmark
Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
checkmark
Benefits

Next Generation
Checking

Requirements
$50 to Open**
Monthly Service Charge
checkmark
Monthly Statement Fee
E-statement $0.00
Mailed statement $3.00
Interest
checkmark
Minimum Balance
checkmark
Bounce Protection
checkmark
Debit/ATM
checkmark
Check Limit
checkmark
Check Safekeeping
checkmark
Value Pack
checkmark
Online Banking & Bill Pay
checkmark
24 Hour Telephone Banking
checkmark
Mobile Banking
checkmark
Text Banking/Alerts
checkmark
Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
checkmark
Benefits

Advantage
Checking

Clearly Free
Checking

50 or Better
Checking

High Interest
Platinum Checking

Next Generation
Checking

Requirements $50 to Open $50 to Open $50 to Open, Must be 50 Years of Age to Open $50 to Open $50 to Open
Monthly Service Charge $5.00
Additional $3.00 monthly fee will be assessed if you do not enroll in E-statement
checkmark checkmark $6.00
if $1,500 Daily balance is not maintained
checkmark
Monthly Statement Fee checkmark checkmark checkmark checkmark E-statement $0.00 Mailed statement $3.00
Interest checkmark checkmark checkmark Yes
Tiered Interest Rates
checkmark
Minimum Balance checkmark checkmark checkmark $1,500 Daily
to Avoid Monthly Fee
checkmark
Bounce Protection checkmark checkmark checkmark checkmark checkmark
Debit/ATM checkmark checkmark checkmark checkmark checkmark
Check Limit checkmark checkmark checkmark checkmark checkmark
Check Safekeeping checkmark checkmark checkmark checkmark checkmark
Value Pack checkmark checkmark checkmark checkmark checkmark
Online Banking & Bill Pay checkmark checkmark checkmark checkmark checkmark
24 Hour Telephone Banking checkmark checkmark checkmark checkmark checkmark
Mobile Banking checkmark checkmark checkmark checkmark checkmark
Text Banking/Alerts checkmark checkmark checkmark checkmark checkmark
Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network checkmark checkmark checkmark checkmark checkmark
  Benefits Benefits Benefits Benefits Benefits

In order to ensure you are fully aware of Bank Michigan's Return Item for Non-Sufficient Funds fees, please refer to the below Disclosure.

HOW WE ASSESS FEES: If there are insufficient funds to pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf.

RETURN ITEM FOR NON-SUFFICIENT FUNDS: If we do not pay the debit transaction or item on your behalf and return the debit or item, we may charge you non-sufficient funds fees. Pursuant to NACHA Operating Rules and Guidelines and other applicable laws, a debit or item may be presented for payment more than one time. We may charge you non-sufficient funds fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple non-sufficient funds fees if a debit or item is returned more than one time. For example, you write a check from your account with us. The check is returned for non-sufficient funds, and we may charge you non-sufficient funds fees. The same check is then re-presented to us for payment, and the check is returned again for non-sufficient funds. We may charge you non-sufficient funds fees the second time the check is presented for payment and returned for non-sufficient funds.

OVERDRAFTS: If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance and we may charge you overdraft fees. As discussed above, subsequent pending transactions and holds impact your available balance, which may cause your account to become overdrawn and subject to overdraft fees. For example, you have $100 in your account. You use your debit card at a gas station and a preauthorization hold of $60 is placed on your account because the amount of the transaction is not known at the time of authorizing even though your gas was only $50. The authorization hold reduces your available account balance to $40. You then spend $50 on groceries. If we pay this debit on your behalf, you will be responsible for paying the overdrawn balance, and we may charge you overdraft fees.

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Bank Michigan

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