University of Michigan Checking Accounts


Checking accounts and debit/ATM cards inspired by the Maize and Blue.

Our co-branded products are designed for U-M students, alumni, and fervent fans. First, choose your checking account and then select from one of three different Michigan-branded Visa® debit cards.

Each of our checking accounts include a winning lineup:
  • Online Banking and Bill Pay
  • Free Flagstar Visa® debit card with Michigan-branded designs or Flagstar ATM card
  • Free access at Flagstar ATMs and more than 55,000 Allpoint ATMs worldwide
  • Free Mobile Banking app1
  • Free 24-hour Telephone Banking at (888) 248-6423
  • Designer U-M check available (standard fees apply)
Additionally, you’ll receive:
  • 0.25% rate reduction on personal loans, home equity loans and lines of credit4
  • Free FinanceWorks™—a suite of online financial tools
  • Purchase Rewards when you use your Flagstar Visa debit card
  • Free annual investment review
  • Free annual mortgage analysis
  • Optional Automatic Savings Plan—transfer money directly from your checking account into savings
  • Unlimited check writing (no per-check fee)
Preferred CD rates5

Get a higher CD rate by maintaining $5,000 or more in combined personal checking, savings, and money market accounts


1 Not all devices may be supported.
2 Paper statements available for a $2 monthly fee.
3 Interest rates are tiered to a maximum amount. View our interest rates.
4 Subject to loan approval. Excludes mortgages.
5 Excludes promotional rates.


This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.


Minimum $50 deposit to open a checking account.