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Enjoy Freedom

Spend and deposit your money without the extra fees.
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Open a Checking Account Today

Our free checking account comes with all the bells and whistles, but without any annoying extra fees.  It’s completely free from start to finish, and it’s a breeze to set up.


  • Free e-statements
  • Convenient debit card
  • No minimum balance
  • No transaction fees or per check fees
  • No monthly maintenance fees
  1. You must reside in any of the following counties: Schoolcraft, Alger, Delta, Luce, or Mackinac.
  2. Have a valid, unexpired photo ID
  3. Have an active Savings Account with a minimum of $5.00 deposited (We can do this at the same time of opening your Checking Account)

There is no minimum balance requirement to open your Checking Account.

A Debit Card is not automatically ordered when the Checking Account is created. If you’re interested in receiving a Debit Card please contact us and we’ll get it started.

Anyone can deposit money into an account, but they will not receive a receipt. Only the person(s) on the account can get information and/or withdraw money.

If you do not have a joint holder or beneficiary listed, your account will go to your estate or, if unclaimed, will be escheated to the state.

A joint holder has equal rights to all money in the account and can make decisions about the money, just as you can, without your permission. A beneficiary is someone who will receive all remaining funds after you pass away and after any listed joint holders pass away.

Yes! We will need a copy of their social security card and any school photo ID, driver’s permit, or licenses.

Check It Out

Give us a call or stop by to open a checking account today.

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