RateHerald

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Lake MichiganChecking accountChecked Oct 10, 2026Updated

Lake Michigan Max Checking

4.00%APY · as of Oct 10, 2026
A year for an everyday customer
$0 fees and interest, $2,000 kept
Monthly fee
No monthly fee
On our list
#420 of 986 checking accounts, by a year’s value for an everyday customer
Visit Lake MichiganThe bank’s own page · checked Oct 10, 2026

Rate conditions

To earn the APY
Make a direct deposit or ACH deposit into Max Checking
  • Complete at least 10 debit or credit card purchases
  • Log in to online or mobile banking at least 4 times
  • Stay enrolled in eStatements
Source · checked Oct 10, 2026
APY when those aren’t met
0.00%Source · checked Oct 10, 2026
APY paid on balances up to
$15,000Source · checked Oct 10, 2026

Fees

Monthly fee
NoneSource · checked Oct 10, 2026
ATM network
LMCU ATMs and 55,000 Allpoint ATMs worldwideSource · checked Oct 10, 2026
ATMs in the network
55,000Source · checked Oct 10, 2026
ATM fees refunded, up to
$10 a monthSource · checked Oct 10, 2026

Who can open it

Membership
Open to anyone who qualifies through one of these:
  • People who live, work, worship or attend school anywhere in Michigan’s lower peninsula or Florida
  • Contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
  • Family members of existing LMCU members
Source · checked Oct 10, 2026

Features

ATM fee rebatesBill payInterest bearingMobile check depositMobile walletNo minimum balance

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees