Get up to $200* in bonuses plus a $50 community donation
Earn your bonuses and make a difference in your community. Open a regular or Fresh Start Checking account - online or in-branch - with an initial deposit of $25 or more by October 31.
- Earn $100: Set up a recurring $250 direct deposit within 60 days of opening your account.
$50 donation: MSGCU will make a donation to select community organizations on your behalf.
- Earn $100: Complete 10 debit card transactions of $10 within 60 days of account opening.
Open a checking account that makes a difference for you, and your community.
When you set up a recurring $250 direct deposit, MSGCU will make a $50 donation to the community organizations below:
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The American Lung Association in Michigan mission hits close to home with firefighters because of their increased exposure to gases, chemicals and smoke in the line of duty. Donations fund lung disease and lung cancer medical research, new treatments, CT screenings, lung health education and more. Learn more. |
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Blessings in a Backpack mobilizes communities, individuals, and resources to provide food on the weekends for school-aged children who might otherwise go hungry. They partner with local school districts in Michigan to meet needs of students identified for free or reduced meals. Learn more. |
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Michigan Concerns of Police Survivors (MI-COPS) provides resources to surviving families and co-workers of Michigan law enforcement officers lost in the line of duty. This includes community awareness, grief counseling, and support. Learn more. |
The total donation dollars will be evenly divided among the three organizations.
YOU’RE AT THE HEART OF ALL WE DO.
It’s more than a new checking account, it’s a new relationship. We’re here to help you make the switch, simplify your finances, and make your financial life easier.
See all our Checking Accounts
Switch to MSGCU and get a financial champion on your side.
At Michigan Schools and Government Credit Union, being not-for-profit allows us to give back to our members through better rates, fewer fees, free financial education, grants and scholarships, and other community support. And it fuels us to work hard every day with members to personalize plans to help them meet their financial goals. This exceptional level of dedication contributes to our 96% member satisfaction score. We’re open to any Michigander.
Need help switching over your checking account? Bring in your bills and bank statements, and we’ll sit down with you to make the switch a cinch.
READY TO GET STARTED?
Open an Account
*$200 Checking Incentive
Available for regular and fresh start checking accounts opened before 10/31/2023; limited to one incentive per member. An incentive of up to $200 will be paid when the member completes the following criteria 1) Members can earn $100 when they qualify for and open a checking account and make an initial deposit of $25 or more, and a recurring direct deposit of $250 within 60 days. A one-time $50 donation will be made on the members’ behalf on or before March 31, 2024, divided evenly to select community organizations. MSGCU will make this donation directly, at no cost or tax benefit to members. Consult a tax advisor with questions. There is no substitute for this donation, and members cannot opt to receive it directly. 2) Members can earn an additional $100 when they conduct 10 PIN or signature debit card transactions (does not include ATM) of $10 or more. Bonus will be paid 61 days after account opening date. Members must not currently have a checking account or have closed a regular checking account as of 5/1/2023 or later. Contact a Member Service Representative for more details.
†Overdraft Protection
Overdraft Protection account must meet Credit Union criteria for Courtesy Pay service. You must opt-in separately to authorize ATM and everyday debit transactions. Whether overdrafts will be paid is discretionary, and the Credit Union reserves the right to not pay if the account is not in good standing. A fee of up to $30 may be charged for each check, ATM or debit card transaction, or debit by other electronic means when a member has non-sufficient funds in the account. Negative balances must be paid within 16 days. See a Member Service Representative for details.
§Member Referral Program
You must be at least 16 years old, and a member of MSGCU to participate in the Program. Referrals made to existing members of MSGCU are invalid. By making a valid referral that is completed by a Friend in accordance with the Program Terms, you and the Friend will each receive a cash reward as follows: $5 for a new MSGCU membership which is established by the Friend and remains in good standing for a period of at least 60 days; $25 for an approved and funded Auto, RV, Boat or Powersport loan of $5,000 or more applied for by the Friend within 10 days of membership open date; $25 for a new MSGCU VISA credit card which the Friend must apply for within 10 days of membership open date and be approved for within 30 days of application date; $100 for an approved and funded mortgage loan applied for by the Friend and funded within 180 days of membership open date; $25 for a new checking account opened by the Friend and funded with $25 or more within 10 days of membership open date. The Friend will receive an additional $25 reward if they make 10 debit card transactions of $10 or more via the new checking account within 60 days, or they receive a direct deposit of $100 or more into the account within 60 days. Only one reward per reward type is available, for each Friend referred, subject to a maximum of $1,500 in cash rewards per calendar year. Rewards will be automatically deposited into your oldest existing MSGCU primary share account two business days following confirmation by MSGCU that the referral has been made in full compliance with the Program Terms. Reward cash payments are considered interest and annual payments totaling $600 and above will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law. You are responsible for any taxes due. For full terms and conditions, visit https://www.msgcu.org/disclosures-and-fees.
