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Best Banks & Checking Accounts in Bay City, Michigan - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 24, 2026

The best checking rates for Bay City, Michigan include Frankenmuth Credit UnionFrankenmuth Credit Union800 N Euclid Ave, Bay City, MI 48706A5.0 ★Texas Ratio: 8.43% Kasasa Cash Checking at 6.20% APY, Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.82% Blaze Checking at 5.00% APY, Jolt Credit UnionJolt Credit Union915 S Euclid Ave, Bay City, MI 48706A+5.0 ★Texas Ratio: 1.30% at 4.25% APY, Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MI4129 N Euclid Ave, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.29% Go-To Checking at 4.15% APY, and Team One Credit UnionTeam One Credit Union401 E MIDLAND ST, BAY CITY, MI 48706A+5.0 ★Texas Ratio: 5.24% Relationship Checking at 3.00% APY.

Looking for the best checking accounts in Bay City, Michigan? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Bay City, Michigan, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Bay City, Michigan. Checking Account Rates Last Updated and Verified: March 24, 2026

Bay City, MI Checking Rate Trends

Compare local Bay City, MI checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Michigan Checking Trends →
High-Yield Checking — MI Avg
1.116%
▼ 0.677 from last week

Michigan high-yield checking rates fell 0.677 points this week to 1.116% APY, down from 1.792% last week.

Rewards Checking — MI Avg
3.771%
▼ 0.331 from last week

Michigan rewards checking rates fell 0.331 points this week to 3.771% APY, down from 4.101% last week.

As of Mar 24, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Bay City, Michigan & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
Kasasa Cash Checking
6.20%
$0
View
▼
Rate6.03%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

Qualifying balance up to $15,000

Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
2936 Wilder Rd
Bay City, MI 48706
Blaze Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
915 S Euclid Ave
Bay City, MI 48706
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
4129 N Euclid Ave
Bay City, MI 48706
Go-To Checking
4.15%
$0
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Relationship Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
5 Star Plus Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
4129 N Euclid Ave
Bay City, MI 48706
Tiered-Rate Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
4129 N Euclid Ave
Bay City, MI 48706
Tiered-Rate Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Isabella Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
723 South Washington Avenue
Bay City, MI 48708
Elite Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
4 Star Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
4129 N Euclid Ave
Bay City, MI 48706
Tiered-Rate Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Isabella Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
723 South Washington Avenue
Bay City, MI 48708
Elite Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Isabella Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
723 South Washington Avenue
Bay City, MI 48708
Elite Checking
0.06%
$0
View
▼
Rate0.06%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Isabella Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
723 South Washington Avenue
Bay City, MI 48708
Elite Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
3 Star Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Advantage Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Relationship Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Relationship Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Advantage Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
2 Star Plus Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
Kasasa Cash Checking
6.20%
$0
View
▼
Rate6.03%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

Qualifying balance up to $15,000

Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
2936 Wilder Rd
Bay City, MI 48706
Blaze Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
915 S Euclid Ave
Bay City, MI 48706
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
4129 N Euclid Ave
Bay City, MI 48706
Go-To Checking
4.15%
$0
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Relationship Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
5 Star Plus Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
4 Star Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
3 Star Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Advantage Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
2 Star Plus Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Advantage Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Advantage Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
2100 Executive Hills Dr
Auburn Hills, MI 48326 2947
Genius High Yield Checking
6.75%
$0
View
▼
Rate6.55%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $7,500.00

Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
715 N Telegraph Rd
Monroe, MI 48162 5130
Community Growth Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
220 Park Street
Birmingham, MI 48009
LOYALTY REWARDS CHECKING Tier 3
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
220 Park Street
Birmingham, MI 48009
LOYALTY REWARDS CHECKING
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Filer Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
1117 28th St
Manistee, MI 49660
Loyalty Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

Qualifying balance up to $15,000.00; Qualifications Required

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
790 Joslyn Ave
Pontiac, MI 48340 2918
Free Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

CASE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
4316 S Pennsylvania Ave
Lansing, MI 48910
Elite Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr
Battle Creek, MI 49015
Amped Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
800 N Euclid Ave
Bay City, MI 48706
Kasasa Cash Checking
6.20%
$0
View
▼
Rate6.03%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

Qualifying balance up to $15,000

Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
915 S Euclid Ave
Bay City, MI 48706
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
220 Park Street
Birmingham, MI 48009
LOYALTY REWARDS CHECKING
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
220 Park Street
Birmingham, MI 48009
LOYALTY REWARDS CHECKING Tier 3
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
790 Joslyn Ave
Pontiac, MI 48340 2918
Free Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards* Checking Tier 4
4.24%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards Checking (HYRC)
4.24%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

4Front Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
3745 N US Highway 31 S
Traverse City, MI 49684 4442
Straight4Ward Rewards Checking
4.08%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Qualifying balance up to $15,000

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
1075 E Sherman Blvd
Norton Shores, MI 49444 1807
Free Kasasa Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: enrollment and login into online banking; receipt of electronic statements; 12 qualifying debit card transactions; Cash back earned on up to $200 in purchases monthly

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
2955 University Dr
Auburn Hills, MI 48326
Core Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
2955 University Dr
Auburn Hills, MI 48326
Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1220 County Center Dr W
Waterford, MI 48328 1904
Cash Back Reward Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

Qualifications Required: One ACH credit/debit transaction; One sign-on to Online Banking or Mobile Banking; eStatements; 18 debit card transactions; Receive up to $20 per month in non-Vibe ATM fees

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards Checking (HYRC)
1.74%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $2,499.99

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards* Checking Tier 3
1.74%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards Checking (HYRC)
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $1,499.99

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards* Checking Tier 2
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards Checking (HYRC)
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $749.99

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
High-Yield Rewards* Checking Tier 1
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
220 Park Street
Birmingham, MI 48009
LOYALTY REWARDS CHECKING Tier 2
0.17%
$0
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
220 Park Street
Birmingham, MI 48009
LOYALTY REWARDS CHECKING
0.17%
$0
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
401 E MIDLAND ST
BAY CITY, MI 48706
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
790 Joslyn Ave
Pontiac, MI 48340 2918
Free Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
1075 E Sherman Blvd
Norton Shores, MI 49444 1807
Free Kasasa Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: enrollment and login into online banking; receipt of electronic statements; 12 qualifying debit card transactions; Cash back earned on up to $200 in purchases monthly

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St
Hancock, MI 49930
Superior Access Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
4489 I 75 Business Spur
Sault Sainte Marie, MI 49783
Basic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Dividend paid through December 31, 2025. Rate may change any time after account is opened.

Chelsea State Bank (CSB)
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1010 S Main St
Chelsea, MI 48118
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center
Saline, MI 48176
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center
Saline, MI 48176
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4550 STATE ST
SAGINAW, MI 48603
Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
2100 Executive Hills Dr
Auburn Hills, MI 48326 2947
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
18925 Telegraph Rd
Brownstown, MI 48174 9546
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave
Saginaw, MI 48602 4326
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
2936 Wilder Rd
Bay City, MI 48706
Ultimate Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
2936 Wilder Rd
Bay City, MI 48706
Ultimate Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Directions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
3558 Sterns Rd
Lambertville, MI 48144
Business Premier Plus Checking
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
Business High-Yield Checking
1.74%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 3

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
Business High-Yield Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 2

HPC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
1234 W CHISHOLM ST
ALPENA, MI 49707
Business Checking
1.10%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Tiered Rate Interest

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
715 Terrace St
Muskegon, MI 49440
Business 31 Non-Profit Interest Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
715 Terrace St
Muskegon, MI 49440
Business 31 Interest Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
115 W Main St
Marcellus, MI 49067
Business Super Interest Earning Checking or more
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$200,000

G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
115 W Main St
Marcellus, MI 49067
Business Super Interest Earning Checking
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$25,000 - $200,000

G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
115 W Main St
Marcellus, MI 49067
Business Super Interest Earning Checking
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

up to $25,000

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
715 Terrace St
Muskegon, MI 49440
Business 31 Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
715 Terrace St
Muskegon, MI 49440
Business 31 Non-Profit Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
3355 University Dr
Auburn Hills, MI 48326
Business High-Yield Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 1

4Front Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
3745 N US Highway 31 S
Traverse City, MI 49684 4442
Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy
Adrian, MI 49221
Business Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy
Adrian, MI 49221
Business Checking
0.35%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Marshall Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
839 W Green St
Marshall, MI 49068
Business Relationship Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
8952 US Highway 31
Berrien Springs, MI 49103
Business Advantage Checking Account
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy
Adrian, MI 49221
Business Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Bay City, Michigan directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Bay City, Michigan. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MI.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Bay City, Michigan earn interest?

Most traditional local checking accounts in Bay City, Michigan earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Bay City, Michigan FDIC insured?

Yes. Legitimate banks with branches in Bay City, Michigan are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Bay City, Michigan

Based on our current data, some of the highest checking account APYs available to residents of Bay City, Michigan include:
  • Frankenmuth Credit Union
    Kasasa Cash Checking — 6.20% APY
  • Wildfire Credit Union
    Blaze Checking — 5.00% APY
  • Jolt Credit Union
    — 4.25% APY
  • Financial Plus Credit Union Flint, MI
    Go-To Checking — 4.15% APY
  • Team One Credit Union
    Relationship Checking — 3.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Bay City, Michigan. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 24, 2026

Bay City, Michigan Rates & Resources

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