Non ChexSystems Banks & Credit Unions in Michigan

Free (Second Chance) Checking Account at BBVA Compass is Available in Michigan!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearConnect Free Checking Account.


Account Benefits
Free Checking

There is no monthly service charge plus you can enjoy online and mobile banking, free bill pay and unlimited check writing.

Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Visa Debit Card included

Use your BBVA Compass Visa® Debit Card fee-free at any BBVA Compass and Allpoint ATM's.

Bad Credit? No Problem

Even if you have a poor credit history, BBVA will approve you for a Second Chance Checking account with the same great features for a low monthly fee.

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a Second Chance Checking account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to rebuild your credit.

Local Banking Options

Following is the web’s most comprehensive list of banks and credit unions in Michigan which do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if our proven, guaranteed approval solution is available in your area (listed above).

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

Name of Bank Best Bank/Guaranty Bank
Form of VerificationChexSystems
Special Notes

*** You must apply in person for this account, do NOT apply online ***

$25.00 to open the account No debit card or checks.

It does come with an ATM card Money orders are FREE.

$8.00 monthly fee or $5.00 with direct deposit After 6 months you may be able to convert to a regular free checking as long as the account remained in good standing and no overdrafts.

Types of Accounts OfferedSecond chance checking
Name of Bank TCF Bank
Form of VerificationChexSystems
Special Notes

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Membership Information

Other valuable information:

None with any of the following:

  • Direct Deposits totaling $100+
  • $500 minimum balance
  • $2,500 Combined Deposit Balances

Otherwise $9.95 monthly fee.

Types of Accounts OfferedPersonal checking, savings and business checking
Name of Bank Eaton Federal Savings Bank
Form of VerificationTeleCheck
Special Notes

They do not use ChexSystems.

Email from Bank

In response to your e mail, yes we use TeleCheck when opening new checking accounts. We do not use TeleCheck when opening savings accounts. For a business account it would depend on the type of business.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

Charlotte Main Office
236 S. Cochran Avenue
Charlotte, MI 48813

Eaton Rapids Office
307 S. Main Street
Eaton Rapids, MI 48827

Grand Ledge Office
500 S. Clinton
Grand Ledge, MI 48837

Nashville Office
103 S. Main Street
Nashville, MI 49073

Olivet Office
109 S. Main Street
Olivet, MI 49076

Name of Bank Consumers Credit Union
Form of VerificationCredit report
Membership Information

Live, work, worship, or are enrolled in post high school educational institutions in Allegan, Barry, Branch, Calhoun, Kalamazoo, Ottawa, St. Joseph, Van Buren, Kent, Cass or Berrien County, Michigan.

A relative of a current member or live in the same household as a current member.

A retired person over the age of 55 who receives a retirement annuity/pension and lives in the nearby counties.

Email from Bank

We do pull a credit report upon opening your account with Consumers. Most of the reason we pull credit is to make sure that you don’t owe other financial institutions and things of that nature, the score has very little to do with whether or not you are a good fit with us. It is also beneficial to go over the credit report just to make sure there aren’t things on it that you are unaware of.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Kalamazoo, Portage, South Haven, Holland, Lawton, Coldwater

Name of Bank Central Savings Bank
Form of VerificationCredit report
Special Notes

They do not use ChexSystems.

Membership Information

Person that got account:

Went to the main branch of Central Savings Bank today and opened a checking account with absolutely no problem. They offer a free checking account with no minimum opening deposit and no minimum balance. They do look at a credit report when deciding whether to issue a debit card, but the standards are pretty loose. Looks like a great choice for any Chex-affected folks in northern Michigan!

Another:

Yes, you were very helpful! :) I ended up opening an account at Central Savings Bank in Sault Ste Marie, with no problems at all.

Email from Bank

We do not use a specific verification for new accounts, though we do require a credit report for debit card applications. You can open a checking without a debit card and only get an ATM if you prefer. If you do request a debit, we look at the overall credit.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

MAIN OFFICE
511 BINGHAM AVENUE
SAULT STE.
MARIE, MICHIGAN 49783

MARIE BRANCH OFFICE
3501 I-75 Business Spur Sault Ste.
Marie, MI 49783

Name of Bank Rockford Community Federal Credit Union
Form of VerificationTransUnion Credit report
Membership Information

At Rockford Community Federal Credit Union you are qualified for membership if you or a family member lives or works in the city of Rockford, Algoma Twp., Cannon Twp., Courtland Twp. or Plainfield Twp. north of the Grand River 3 N. Monroe, Rockford MI 49341

Email from Bank

When opening new accounts we rely on the credit reports to verify identity.

Types of Accounts OfferedPersonal checking, savings
Locations

3 N. Monroe, Rockford MI 49341

Name of Bank United Bay Community Credit Union
Form of VerificationTeleCheck
Membership Information

Tt UBCCU is available to people who live, work, worship or attend school in Bay, Saginaw, Midland and Arenac counties.

Email from Bank

We currently use Tele-check when opening a checking account. The only time a credit report is run is when you apply for a credit card or some type of loan.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Bay City, Pinconning

Name of Bank Central Macomb Community Credit Union
Form of VerificationChexSystems
Membership Information

Anyone who lives, works, worships, or is educated in Macomb County.

Email from Bank

We do offer Fresh Start Checking accounts. You would still have to open a Fresh start savings account and there is a $10.00 monthly fee associated with this. After 2 years of good history on the account, you can request to have a regular account with us.

Types of Accounts OfferedSecond chance checking
Locations

MAIN OFFICE
37570 S. Gratiot
Clinton Township, MI 48036

STERLING HEIGHTS OFFICE
34642 Van Dyke Avenue
Sterling Heights, MI 48312

WARREN OFFICE
5504 Twelve Mile Road
Warren, MI 48092

Name of Bank COPOCO Community Credit Union
Form of VerificationTeleCheck
Membership Information

Individuals who live or work in an area bounded by the Arenac County Line to the North, extending West to M-30, South to M-46, M-46 East to Reese Road, Reese Road North to Saginaw Bay, extending Northwest along the Saginaw Bay Shoreline back to the Northeast Arenac County Line.

Email from Bank

We do call TeleCheck when we open new accounts.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

4265 E. Wilder Rd
Bay City, MI 48706

3262 Cabaret Trail S.
Saginaw MI 48603

Name of Bank Preferred FCU
Form of VerificationTeleCheck
Membership Information

You must live, work, worship, or be educated in Montcalm County, in Otisco Township or The City of Belding in Ionia County, Spencer, Oakfield, or Grattan Townships in Kent County.

Email from Bank

For new checking accounts we use TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

Main Office:
534 N Lafayette
Greenville, MI

Belding Branch:
7473 N Storey Rd
Belding, MI

Name of Bank Tri-Pointe Community Credit Union
Membership Information

Our field of membership consists of anyone who lives or works in the following communities as well as their relatives:

Genesee County: entire county

Livingston County: Deerfield Township, Tyrone Township, Oceola Township, Howell, Hartland and Brighton

Oakland County: Rose Township, Highland Township, Holly and Milford

Tuscola County: entire county

Email from Bank

We do run a credit report. Anyone can have a savings account though. The checking and any ATM or debit cards can be denied because of credit. And we also decide weather or not to place holds on checks based on credit. I can’t really say we look for a particular score but they will look at if you have any collections or have filed bankruptcy recently.

Types of Accounts OfferedPersonal checking and savings
Locations

Clio, Fenton, Flint, Grand Blanc, Vassar

Name of Bank Dowagiac Area Federal Credit Union
Special Notes
  • No ChexSystems
  • It has been reported that they do not use anything to verify
  • Use a credit report if you request a debit card or you can wait 6 months and if no account problems occour then you automatically get a debit card

$ 10.00 for savings and checking if you want to order checks thru them you have to have a 100 dollars in your account to get them, they send the checks to the bank. You can withdraw the 100 dollars as soon as you pick up your checks though.

Membership Information

We provide services to persons living or working in Wayne, LaGrange, Silver Creek, Pokagon, Penn, Volinia, Marcellus, Decatur and Paw Paw townships in Cass and Van Buren counties.

Types of Accounts OfferedPersonal checking and savings
Locations

Dowagiac Area Federal Credit Union 473 E Division St
Dowagiac, MI 49047-1565
(269) 782-2410

Name of Bank CoVantage Credit Union
Form of VerificationCredit report
Membership Information

You live or work in the Dickinson and Iron Counties in Michigan.

Email from Bank

We do run a credit bureau for new accounts.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Antigo, Crandon, Shawano, Wausau, Crystal Falls, Iron River

Name of Bank Motor City Co-op Credit Union
Form of VerificationTeleCheck
Membership Information

Our membership is open to all Michigan residents.

Email from Bank

You would need $13.00 cash to open and account. Ten would go into the savings, minimum required balance, and the three dollars is a one time member fee. We run a TeleCheck and a credit report for all new savings and checking accounts.

Types of Accounts OfferedPersonal checking and savings
Locations

Clinton Township, Detroit, Roseville, Warren

Name of Bank TBA Credit Union
Form of VerificationCredit report
Membership Information

Membership to anyone within a five-county area, including Grand Traverse, Leelanau, Antrim, Kalkaska, and Benzie counties.

Email from Bank

We use a credit report as criteria to open a checking account. We require a minimum score. Of course, to open a membership/savings account, you only need to meet the membership requirements that state "live, work, or worship in our 5 county area of Benzie, Antrim, Kalkaska, Leelanau, and Grand Traverse. Your credit score has to be 600 or over, you would also be required to open a membership, this requires a $100 minimum balance and a $10.00 fee to join the credit union. If your score is below the 600 it can be reviewed by the loan department to check the circumstances for the lower score and possibly still be approved.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Traverse City

Name of Bank Kent County Credit Union
Form of VerificationCredit report
Membership Information

Kent County Credit Union welcomes all those who live, work, worship or attend post high school educational institutions in Kent County to join!

Email from Bank

We can not refuse any one a credit union membership which opens up a Share/savings account. That account must be opened with a $5 share.

Basically a score of 660 or higher is what is needed to open a checking account without a loan officer’s approval. Anything lower requires a loan officer’s approval. This also goes for the issuance of a debit card too.

Types of Accounts OfferedPersonal checking and savings
Locations

Grand Rapids, Wyoming, Cedar Springs

Name of Bank Western Districts Members Credit Union
Form of VerificationCredit report
Membership Information

If you are a person over age 55 who receives a retirement pension, annuity, Social Security or other retirement payment and live in Kent County or belong to a retiree organization located in Kent County.

Email from Bank

When you open a share account we take a credit report but as long as you are eligible for membership we open the share account. For a checking account…..it is subject to approval so we do review your credit report and determine whether or not we would approve or deny it.

Types of Accounts OfferedPersonal checking and savings
Locations

Grand Rapids, Plymouth.

Name of Bank FedCom Credit Union
Form of VerificationChexSystems
Special Notes

For best results ChexSystems report should not indicate fraud and debt to reporting bank(s) should be paid.

Membership Information

Individuals who live, work, worship, or attend post-high school in Kent, Ottawa, Muskegon, and Allegan Counties Michigan.

Email from Bank

When opening a new membership we will use ChexSystems to verify an individual's social security number and identification. In addition, if an individual has any unpaid closures with another financial institution then we will only be able to open a "cash only" savings account.

During the application process for a checking account, we do run a credit report. We do require a credit score of at least 580, plus we will take a look at the credit to ensure there is not great risk (i.e. charge-offs with other financial institutions, etc.).A credit report is ran when you request an ATM or debit card.

Types of Accounts OfferedSavings possibly checking
Locations

Grand Rapids

Name of Bank Metro Shores Credit Union
Form of VerificationTeleCheck
Special Notes

The credit report is to verify identity only.

Membership Information

If you live, work, worship, or attend school in the following counties, you can join: Trenton, Taylor, Woodhaven, Brownstown, Gibraltar, Rockwood, Flat Rock, Grosse Ile, Riverview, Wyandotte, Southgate, Belleville, Lincoln Park, Allen Park, Ecorse, River Rouge, Romulus, Melvindale, Huron Township, Sumpter Township, Van Buren Township, and all of Monroe County.

Email from Bank

When you come in to open a new savings account we are required to run a credit report just to verify that your name and social security number match. When opening a checking account we do use TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

Trenton, Gibraltar, Flat Rock and Grosse Ile.

Name of Bank Gratiot Community Credit Union
Form of VerificationCredit report
Special Notes

They do not use ChexSystems.

Membership Information

To become a member of the Gratiot Community Credit Union, you must either live or work in Gratiot County or the townships of Ferris, Crystal, and Bloomer in Montcalm County.

Email from Bank

We look at your overall credit report not for a specific score.

Types of Accounts OfferedPersonal checking and savings
Locations

211 West Center
Street Alma
Michigan 48801

855 East Center
Street Ithaca
Michigan 48847

Name of Bank Alpena Community Credit Union
Form of VerificationID, SS card
Special Notes

I called them and they do not use ChexSystems or a credit report. They only need a valid ID.

Membership Information

Call the location to find out if you are eligible.

Types of Accounts OfferedPersonal checking and savings
Locations

710 W. Miller St. • Alpena, MI 49707

Name of Bank Settlers Federal Credit Union
Form of VerificationID
Special Notes

I called them and verified that they do not use ChexSystems or a credit report to open an account. They only need a valid ID.

Membership Information

Call for details. Although not a community charter, we offer a variety of ways you may join our Credit Union. We believe in the Credit Union philosophy of “People Helping People”. We look forward to sharing the credit union and its services with you.

Email from Bank

When opening an account with us we do not run ChexSystems or a credit report.

Types of Accounts OfferedPersonal checking and savings
Locations

14623 M 28
Bruce Crossing, MI 49912

Lac Vieux Desert Casino at N5384 US Hwy 45
Watersmeet, MI 49969

Name of Bank Straits Area Federal Credit Union
Form of VerificationID
Special Notes

I called and they do not use ChexSystems or a credit report. They need a valid ID only.

Membership Information

You live, work or worship in any of the following areas...

Cheboygan County, Townships of: Hebron, Burt, Munro, Tuscarora, Mackinaw, Beaugrand, Inverness, Mullett, Benton, Grant, Aloha, Mentor or Wilmot and the city of Cheboygan.

Chippewa County, Townships of: Kinross, Raber and Trout Lake

Emmet County, Townships of: Wawatam, Carp Lake and McKinley

Mackinaw County, Townships of Brevort, Clark, Marquette, Moran, St. Ignace, Bois Blanc Island, Mackinac Island and the city of St. Ignace.

Types of Accounts OfferedPersonal checking and savings
Locations

201 Locust St, located at the corner of Main Street (M-27) and Locust Street in Downtown Cheboygan.

121 East Central Ave, located on the corner of Central Avenue and Ducharme Street, downtown Mackinaw City.

6090 M-68, located on the corner of M68 and Club Road.

They also participate in shared branching.

Name of Bank Rivers Edge Community Credit Union
Form of VerificationCredit report
Membership Information

if you live or work in the field of membership listed below:

(Allen Park, Brownstown, Ecorse, Flat Rock, Gibraltar, Grosse Ile, Lincoln Park, Melvindale, Riverview, Rockwood, Southgate, Taylor, Trenton, Woodhaven, Wyandotte).

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Wood Haven, Allen Park, Taylor

Name of Bank Advantage One Federal Credit Union
Form of VerificationTeleCheck and Experian credit report
Membership Information

Membership is open to all persons (or members of their immediate family or household) who live, work, worship in, or attend school in the communities of:

Ecorse, River Rouge, Allen Park, Flat Rock, Gibraltar, Lincoln Park, Melvindale, Riverview, Rockwood, Southgate, Trenton, Woodhaven, Wyandotte, Brownstown, and Grosse Ile.

We are also very pleased to welcome three new communities to our family: Taylor, Huron Township and Romulus.

Email from Bank

When opening a checking account with Advantage One we use TeleCheck and we also run a credit report with Experian. We have to have a TeleCheck approval code to open the account and a credit score of 500 or greater. We do offer a relationship builder checking account where the score requirement is less as well.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank United Educational Credit Union
Form of VerificationTeleCheck
Membership Information

Our field of membership includes anyone who is affiliated with educational institutions (active and retired employees, students and volunteers) in Calhoun or Branch Counties, Bellevue School District in Eaton County, and Climax-Scotts School District in Kalamazoo County. Also included are the immediate families of those named above.

Educational institutions include public, private, parochial and charter schools, colleges, licensed daycares, libraries and literacy councils, dance, music and special interest schools, PTA's & PTO's, 4-H Clubs, Junior Achievement, Boy/Girl Scouts, museums, zoos, etc.

Also included in our field of membership is any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to Calhoun County.

Email from Bank

If just opening an account, as long as an individual passes TeleCheck (meaning there are no unresolved issues, etc.) a credit report would not be run. If applying for a debit card, a credit report will be ran. If you prefer you can request an ATM card only when you apply and then a credit will not be ran.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

115 Riverside Drive
Battle Creek, MI 49015

415 North Willowbrook Road
Coldwater, MI 49036

118 East Ash St.
Floor A Albion, MI 49224

Name of Bank Rivers Edge Community Credit Union
Form of VerificationTeleCheck
Membership Information

People who live, work, or attend school in the following Downriver Communities are eligible for membership.

  • Allen Park
  • Grosse Ile
  • Southgate
  • Brownstown Twp.
  • Lincoln Park
  • Taylor
  • Ecorse
  • Melvindale
  • Trenton
  • Flat Rock
  • Riverview
  • Woodhaven
  • Gibraltar
  • Rockwood
  • Wyandotte
Email from Bank

Our Credit Union uses "TeleCheck" when verifying new checking and savings accounts.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Allen Park, Taylor, Woodhaven. They also participate in shared branching.

Name of Bank United Financial Credit Union
Form of VerificationCredit report
Membership Information

You live, work or worship in Saginaw County, Bay County, or Midland County, Michigan.

Email from Bank

Credit report and USA patriot act and a score Must be at least a 550.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Bridgeport Office 5658 Dixie Highway
Saginaw, MI 48601
(Located just east of King Road)

Saginaw Twp. Office 4685 State Street
Saginaw, MI 48603
(Located across from Green Acres Plaza)

Chesaning Office 124 North 3rd St.
Chesaning, MI 48616
(Behind Bay Wash Car Wash)

Freeland Office 7600 Midland Rd.
Freeland, MI 48623
(Located in Pat's Food Center Complex)

Opening May 19, 2009 Auburn Office
4710 S. Garfield Rd.
Auburn, MI 48611

Name of Bank Battle Creek Area Community Federal Credit Union
Form of VerificationCredit report and TeleCheck
Membership Information

You would be eligible to join if you live, work, go to school or church in the Battle Creek Area.

Email from Bank

We use TeleCheck for new account verification. We also will pull a credit report to determine if you would be approved for a Debit Card and ATM card.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Battle Creek Area Community FCU
240 North Helmer Road
Battle Creek, Michigan 49015

Name of Bank Clarkston Brandon Community Credit Union
Form of VerificationCredit report
Membership Information

You must be a resident or employed within the Clarkston or the Brandon schools community.

Email from Bank

We use credit reports when members apply for a checking account. Score does go into the equation but there are other considerations too. Repayment history, outstanding collections, charge offs etc. are all looked at before a decision is made on checking accounts, debit cards and so on.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

8055 Ortonville Road
Clarkston, MI 48348

4 South Street
Ortonville, MI 48462

Name of Bank Dearborn Village Community Credit Union
Form of VerificationID
Membership Information

Individuals who live, work, worship or attend school in; and businesses and other legal entities located within Wayne County Michigan are eligible for membership in this credit union.

Email from Bank

I wanted to thank you for all the hard work you have put into this and to let you know I elected to open an account at the Dearborn Village Credit Union in Wayne County MI today and didn't any any issues what so ever, I was in and out in a matter of minuets! They where the only ones I've been able to open accounts with after being the victim of ID Theft and an black listed with CheckSystems, TeleCheck, & EWS!

Types of Accounts OfferedPersonal checking and savings accounts
Locations

2 locations in Dearborn.

Name of Bank Frankenmuth Credit Union
Form of VerificationTeleCheck
Special Notes

They do not use ChexSystems.

Membership Information

Anyone that lives, works, worships or is educated in Saginaw, Tuscola, Bay or Genesee Counties can use the great banking services Frankenmuth Credit Union.

Email from Bank

We use TeleCheck for a checking and run a credit report to get a membership for a savings.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Frankenmuth - Main Office
580 N. Main St.

Richville Office
9323 M-15 (Coming Spring 2009: Moving to 9321 M-46, Richville)

Town & Country Office
Saginaw 2796 Erna Dr.

Gateway Office
Reese 12638 E.
Washington

Birch Run
Office 8131
Main

Millington
Office 8234
M-15

Vassar
Office 602 S.
State

Name of Bank Dort Federal Credit Union
Form of VerificationChexSystems
Special Notes

Anyone that gets a membership can get a savings account. For a checking, no debt can be owed to the reporting bank and a credit report is also ran.

Membership Information

Anyone who lives, works, attends school, worships, or volunteers in Genesee, Lapeer, or Shiawassee County, or Deerfield and Tyrone Townships in Livingston County.

Email from Bank

If the debt has been paid, then we would be able to open a savings and you may apply for a checking as well. There is not a particular score that is required and credit scores vary from bureau to bureau. So, for that reason, we do not quote a score to our members but simply review the report for the possibility of opening a checking.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Flint, Davison, Fenton, Lapeer.

Name of Bank Sagelink Credit Union
Form of VerificationChexSystems
Special Notes

Any member can get a savings account and they will not use ChexSystems . If your report is more than a year old, the reporting bank is paid and there is no fraud reported you might be able to get a checking.

Membership Information

Membership in SageLink Credit Union is open to anyone who lives or works in Genesee or Shiawassee counties or anyone who works for the Ovid-Elsie School district.

Email from Bank

You may still open a savings account.

Types of Accounts OfferedPersonal checking and savings
Locations

G-3311 Van Slyke Rd
P.O. Box
7025 Flint, MI, 48507

898 W. Corunna Avenue
Corunna, MI 48817

3378 Lennon Road
Flint, MI 48507

1465 N. M-52
Owosso, MI 48867

Name of Bank Financial Plus Federal Credit Union
Form of VerificationChexSystems
Special Notes

Any member can get a savings account and if the report does not show fraud, is paid and there is only one or two negatives, you might be able to get a checking.

Membership Information

They are a community-chartered credit union, which means you are eligible for membership in Financial Plus Federal Credit Union if you live, work, worship, volunteer or attend school in the following areas:

Genesee County, Lapeer County, Shiawassee County, Deerfield & Tyrone Townships in Livingston County

Email from Bank

If you have been reported to ChexSystems, you will still be able to open a savings account. It may prevent opening a checking account or receiving a ATM or Debit card. We look at the big picture when opening checking accounts. How long have you been at your current employer, are you setting up direct deposit and so on.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Swartz Creek, Flint, Fenton, Grand Blanc

Name of Bank Tri-Cities Credit Union
Form of VerificationCredit report and ID
Special Notes

Person that got an account:

Yes, I was able to find the help I needed thanks to your listing. I went through Tri Cities Credit Union in Grand Haven Michigan. I was able to open a share savings account, with the option of opening a checking account after 6 months of good standing with my savings. They also said if for some reason I am denied in 6 months for a checking account, they will re-evaluate 6 months later. The office staff are very nice and very helpful. They don't look down upon you and seem very happy that I have chosen their credit union.

Membership Information

Anyone who works or lives in the City of Grand Haven, Village of Spring Lake, Ferrysburg, Nunica, Grand Haven Township, Spring Lake Township, Robinson Township, or Crockery Township can become a member of Tri-Cities Credit Union.

Email from Bank

We do run a credit report for new checking accounts but not for just a savings account. We will need to copy your DL though. We don’t go by a certain score per se…we look at the report to see what makes up the score more than anything (late payment history, charged off balances, collections other than medical, etc all would decrease your chances of being able to open the checking right away). If you open a savings and are denied a checking, we do reassess your account 6- 12 months and if you have a good history with using your savings account, we will usually open a checking at that time.

Types of Accounts OfferedPersonal checking and savings
Locations

Tri-Cities Credit Union
905 Pennoyer
Grand Haven, Michigan 49417

Name of Bank Forest Area Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Field of Membership is limited to those persons who live, regularly work, worship, or attend school in and businesses and other legal entities located in Kalkaska County, Michigan; Wexford County, Michigan; and the townships of Fife Lake, Union, Paradise, Mayfield, and Grant in Grand Traverse County, Michigan; and Mancelona Township in Antrim County, Michigan.

Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

638 Boyd St.
PO Box 118
Fife Lake, MI 49633

782 S. Cedar St.
PO Box 901
Kalkaska, MI 49646

6966 Cougar Trail
PO Box 642
Kingsley, MI 49649

Name of Bank UP STATE Credit Union
Form of VerificationDLonly is used but they will run a credit is a debit or ATM card is requested.
Special Notes

They do not use ChexSystems, EWS or TeleCheck.

Membership Information

Eligibility is open to residents who live, work, or worship in the U.P. of Michigan.

Email from Bank

We only ask for proper ID but if an ATM or debit card is requested then we will run a credit report.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

2501 1st Avenue North in Escanaba

W 366 West U.S. 2 in St. Ignace

507 W Highway M-134 in Cedarville

Name of Bank Meijer Credit Union
Form of VerificationCredit report
Membership Information

Anyone who lives, works or worships in Algoma Township, Cannon Township, Courtland Township, Plainfield Township, and the City of Rockford, MI.

Any of our local seniors (aged 55+) that live in Kent County or the seven surrounding counties, who also receive direct deposit or their pension or social security.

Email from Bank

The only thing we do when a person requests a checking account is run a credit report. We do not use ChexSystems, TeleCheck, etc.

To get a check bearing account 620 or above. Otherwise we would open an e checking for you. This account will have a debit card only no checks available.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

2410 Gaynor Avenue NW
Grand Rapids, MI 49544

10 Mile Road and US 131
Rockford, MI 49341

Name of Bank Community West Credit Union
Form of VerificationTransUnion Credit report
Membership Information

Individuals who reside, are employed, attend school or worship in Kent, Ottawa, Ionia, Barry or Allegan County.

Anyone over age 55 who is receiving a retirement annuity, pension, social security etc., and lives in or belongs to a retirement organization (such as aarp), and resides in any of the counties listed above.

Email from Bank

We would use your TransUnion credit report.You must have a score of 640 or higher.

Types of Accounts OfferedPersonal checking and savings
Locations

4205 32nd AVE
Hudsonville, MI 49426

4045 60th St SE
Kentwood, MI 49512

2757 44th St SW
Wyoming, MI 49509

Name of Bank Community First Credit Union
Form of VerificationID
Special Notes

They do not use ChexSystems, TeleCheck or EWS.

Membership Information

People that live, worship, work, or attend school in the following townships or Cities: Mecosta, Austin, Morton, Wheatland, Aetna, Deerfield, Hinton, or Millbrook.

Townships of: Renolds, Winfield, Cato, Belvidere, Home, Pierson, Maple Valley, Pine, Douglas, Day, Montcalm, Sidney, 

Email from Bank

Thank you for the question via our website. We do not pull a credit report for opening a checking account, nor do we use either of the other methods you mentioned. However, if you apply for a debit card to go with your checking account, we do pull a credit report-and your credit history determines whether or not we can issue a debit card immediately or if you need to wait through a trial period with no NSF activity in your checking account before we issue the card.

Types of Accounts OfferedPersonal checking and savings
Locations

9637 N. GREENVILLE RD.
LAKEVIEW, MI 48850

837B W. SHAW ST. BOX 134
HOWARD CITY, MI 49329

They also participate in shared branching.

Name of Bank LOC Federal Credit Union
Form of VerificationTeleCheck
Membership Information

They serve all who live, work, worship and attend school in all of Livingston and SW Oakland Counties.

Email from Bank

We use TeleCheck to verify new accounts.

Types of Accounts OfferedPersonal checking and savings
Locations

22981 Farmington Road
Farmington, MI 48336

3020 Grand River Avenue
Howell, MI 48843

10002 Highland Road
Hartland, MI 48353

Name of Bank Portland Federal Credit Union
Form of VerificationCredit report
Membership Information

If you live, work, worship, attend school in, or businesses located in Barry, Ionia, Kent Counties or the City of Lansing.

Email from Bank

We use a credit report. We do not necessarily go by a certain score. We look at the whole picture. We do look hard at the "type" of collections that may be on a credit report though.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

9077 Charlotte Hwy.
Portland, MI 48875

4035 S. State Rd (M-66)
Ionia, MI 48846

102 West Main Street
Westphalia, MI 48894

2025 Lapo Road
Lake Odessa, MI 48849

Name of Bank Rivertown Community Federal Credit Union
Form of VerificationCredit report
Membership Information

Membership is open to persons who live, work, worship, or attend school in Kent County.

Email from Bank

I am writing you in regards to your inquiry of our procedures for opening a new account. We do pull a TransUnion credit report and may put certain restrictions on savings accounts with lower credit scores. The eligibility for a checking account is based solely on the credit score. Anyone can open a savings account no matter what their credit score is; however, certain restrictions when it comes to cashing checks or getting an ATM card may be put in place for those with low credit scores. We generally do not open checking accounts for E credit scores and D and C scores may have more restrictions than an A or B score when it comes to daily limits on debit cards and check cashing or deposits.

Types of Accounts OfferedPersonal checking and savings
Locations

Grandville, Wyoming, Comstock. They also participate in shared branching.

Name of Bank FM Financial Credit Union
Form of VerificationChexSystems
Membership Information

You must live, work, worship, or be educated in Genesee County.

Email from Bank

Yes, you can still have an account with the credit union. If you need a checking account however, you would be entitled to our Second Chance Checking account in which there would be a $15.00 a month charge for 1 year and we would not be able to offer a debit card only an atm card.

Types of Accounts OfferedSecond chance checking
Locations

606 Stevens St.
Flint, MI
48501-0097

Name of Bank Members First Credit Union
Form of VerificationCredit report
Membership Information

All those persons who live, work, worship, or attend school or post-high school in the following Michigan counties: Midland, Clare, Gladwin, Isabella, Gratiot, Saginaw, or Bay.

Email from Bank

We currently use Experian credit reporting to approve new checking account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office
600 W. Wackerly St
Midland, MI 48640

Branch Office
400 Dartmouth Dr.
Midland, MI 48640

Name of Bank Superior Iron Range Community Federal Credit Union
Form of VerificationID and social security card
Special Notes

They do not use ChexSystems, TeleCheck or EWS.

Membership Information

Superior Iron Range Community Federal Credit Union serves people, businesses, and organizations that reside, work (or regularly conduct business in), worship, or go to school in Marquette, Iron, Alger, Dickinson, and/or Baraga Counties.

Email from Bank

If you have a proper ID and social security card we generally will not run a credit report.

Types of Accounts OfferedPersonal checking and savings
Locations

490 E. U.S. 41
Negaunee, MI 49866

2424 W US 41
Marquette, MI 49855

423 Mill St.
Munising, MI 49862

305 N Second St.
Iron River, MI 49935

Name of Bank First Community Federal Credit Union
Form of VerificationChexSystems
Membership Information

Membership is open to anyone living or working within the following nine (9) southwestern counties of Michigan: Allegan, Barry, Berrien, Branch, Calhoun, Cass, Kalamazoo, St. Joseph, and Van Buren.

Email from Bank

First Community does use ChexSystems at the time of account opening to help determine membership eligibility. If an account applicant has an item appearing on ChexSystems that does not necessarily exclude them from opening an account with FCFCU, but it might limit the type of account, such as checking, lines of credit, debit cards, etc. It could limit the account type permanently or on a temporary trial basis.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

550 S. Riverview Dr.
Parchment, MI 49004

8224 N. 32nd St
Richland, MI 49083

Name of Bank E&A Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

Anyone who lives, works or attends school in St. Clair, Sanilac, Lapeer and northern Macomb (M-59 and north) counties can become a member.

Email from Bank

Upon opening an account, we pull a credit report and we also use the TeleCheck system We take into consideration the "whole picture" when we review your credit score. However, based upon credit score, there may be some restrictions placed on the checking account. This would be established at the time of opening and we would inform you of any of this information.

The regular savings account would generally not be affected in the same way as a checking account would be due to credit score.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Port Huron Main Office
500 10th Street
Fort Gratiot

3002 North River Rd.
Marysville

Name of Bank Tahquamenon Area Credit Union
Form of VerificationID
Special Notes

They do not use ChexSystems, TeleCheck or EWS. They do not run a credit report.

Membership Information

TACU field of membership is restricted to persons employed in or residents of Luce County, MI; Hulbert and Whitefish Townships of Chippewa County, MI; Portage, Newton, and Garfield Townships of Mackinaw County, MI; Seney Township of Schoolcraft County, MI; and Burt Township of Alger County, MI

Email from Bank

No we do not use any of these systems and yes we will open an account.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Team One Credit Union
Form of VerificationCredit report
Membership Information

Over the years, Team One has grown to 10 locations in Saginaw, Bay City, Clio, Grand Blanc, Caro, Bad Axe, and Sandusky. Anyone living, working, or worshipping in those areas is eligible for Team One services.

Email from Bank

We pull a credit report with each new account for all owners over the age of 18. Any checking or check card items are approval- based according to your credit history.

We do not require particular credit scores to open a checking account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Rogue River Community Credit Union
Form of VerificationCredit report
Membership Information

If you are a resident of or work in, Algoma, Alpine, Casnovia, Sparta, Solon or Tyrone Townships you are eligible.

Email from Bank

What we do is review the Credit Report, and normally allow them to only have the checking account which enables us to monitor it. No debit/atm card/no Courtesy Pay/no Overdraft protection except for that of transferring from savings to cover checks etc. after that period of time they have to contact us. And if the account has been satisfactory and active we move forward with one service at a time.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Sparta

Name of Bank Riverview Community Credit Union
Form of VerificationTeleCheck
Membership Information

You either need to live or work in St Clair, East China, Marine City, Algonac or the surrounding townships.

Email from Bank

We use TeleCheck for all of our new accounts.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Riverview Community Federal Credit Union
102 South Third Street
St. Clair, Michigan 48079

Name of Bank Calcite Credit Union
Form of VerificationTeleCheck
Membership Information

Persons living or working in Alpena, Cheboygan, or Presque Isle County, Michigan (including cities or villages in that area.

Email from Bank

We use TeleCheck when opening checking accounts.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Wanigas Credit Union
Form of VerificationCredit report
Membership Information

Persons who live, work, worship or attend school in or businesses or other legal entities located in the following counties in the State of Michigan: Bay County, Clare County, Gladwin County, Gratiot County, Isabella County, Midland County, Osceola County, Saginaw County or Tuscola County.

Email from Bank

We use credit reports. Any score under 550 would need to go to the credit committee for review.

Types of Accounts OfferedPersonal checking and savings
Locations

Saginaw and Bay City

Name of Bank Family First Credit Union
Form of VerificationCredit report
Membership Information

Family First Credit Union membership is open to anyone living, working, worshipping or going to school in Saginaw and Bay counties.

Email from Bank

We will be pulling a credit bureau report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Saginaw and Freeland.

Name of Bank Catholic Federal Credit Union
Form of VerificationCredit report
Membership Information

Members of Catholic Parishes living in the Diocese of Saginaw which includes Arenac, Bay, Clare, Gladwin, Gratiot, Huron, Isabella, Midland, Saginaw, Sanilac and Tuscola counties.

Email from Bank

We use credit reports to verify new checking and savings accounts.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Ypsilanti Federal Credit Union
Form of VerificationCredit reports
Membership Information

Membership in Ypsilanti Federal Credit Union is available to anyone that lives, works, worships or attends school in Washtenaw County.

Email from Bank

We pull a credit report on all new accounts. The decision is based on it there is derogatory information and the amount and type of derogatory information. Collection, Judgment, liens, etc…

Types of Accounts OfferedPersonal checking and savings
Name of Bank Oakland County Credit Union
Form of VerificationCredit report
Membership Information

Now that we offer membership to anyone that resides, works, or worships in Oakland County.

Email from Bank

In opening new checking accounts, we pull your Credit Report. It is more of a combination of things...score, what the credit looks like, time.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Michigan Catholic Credit Union
Form of VerificationTeleCheck and credit report
Membership Information

Any person of the Catholic faith living, working or worshiping within a 25 mile radius of the credit union's main office or a branch office.

Email from Bank

We go through TeleCheck and run credit.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations
  • Troy
  • West Bloomfield
  • Sterling Heights
  • Lake Orion
  • Ann Arbor
  • Rochester
  • Lansing Area
Name of Bank Consumers Choice Credit Union
Form of VerificationCredit report
Membership Information

Our membership is open to any person who lives, works or worships in Saginaw County.

Email from Bank

Thank you for your inquiry regarding our checking accounts. We use TransUnion credit reports for verification.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Saginaw

Name of Bank Belle River Community Credit Union
Form of VerificationID
Membership Information

If you live, work or worship in the following townships or municipalities: Armada, Berlin, Casco, Columbus, Lenox, Ray, Richmond, Riley or Wales.

Email from Bank

We do not pull credit reports, use TeleCheck or ChexSystems when a member opens a checking or savings account with us. However, if you want to order a debit card, we do pull your credit report, as the debit card is approved based on credit. We look at the history of your credit when determining the qualifications for a debit card.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank ARC Credit Union
Form of VerificationTeleCheck
Membership Information

We changed our name in 1979 once we started to serve other catholic churches in the area. ARC now serves the parishes of St. Athanasius (Roseville), St. Ronald (Fraser), St. Claude (Clinton Township), St. Michael Catholic Community (Sterling Heights), St. Matthias (Sterling Heights), St. Paul of Tarsus (Clinton Township), and St. Therese of Lisieux (Shelby Township).

Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

Roseville

Name of Bank Michigan First Credit Union
Form of VerificationChexSystems
Special Notes

They offer "Classic Checking" for those with ChexSystems or TeleCheck records. They will open an account, with ATM/debit card access, $20 monthly fee and the only restriction is no transactions at Credit Union Service Centers for six months, then will convert to Premier checking. This is only if there is no additional records that show on the report and as long as there are no overdrafts on the second chance account during that time period of six months.

Membership Information

Membership in Michigan First Credit Union is open to anyone who lives, works, or worships in Macomb, Oakland, or Wayne Counties.

Email from Bank

Second chance checking

Name of Bank River Valley Bank
Form of VerificationCredit report
Email from Bank

We use a credit report to verify for new accounts.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Ironwood, Houghton, Calumet, Marquette, Iron Mountain

Name of Bank Best Source Credit Union
Form of VerificationChexSystems and credit report
Special Notes

Anyone who is eligible for membership can get a savings account. For a checking, they will use a ChexSystems report.

Email from Bank

We do pull Credit to open Membership, however for a new Checking account, ChexSystems is also used.

Types of Accounts OfferedPersonal savings
Locations

6655 Highland Road
Waterford, MI 48327

7800 Pontiac Trail
West Bloomfield, MI 48323

They also participate in shared branching.

Name of Bank West Michigan Credit Union
Form of VerificationCredit report
Membership Information

Persons who live, work, or have their place of religious worship in Kent, Lake, Mecosta, Montcalm, Newaygo or Osceola counties, Michigan.

Email from Bank

We will run a credit report when opening a new checking account. We run the credit report for a number of reasons when opening a checking account. If your score is below 550 the checking account will need to be approved by our loan committee.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Grand Valley Co-op Credit Union
Form of VerificationCredit report
Membership Information

Anyone can join by becoming a member of the Co-Optical Service ($2 sign up fee, you can join right at the credit union).

Email from Bank

When opening a checking account with Grand Valley Co-Op CU we will pull a credit report. The approval will be based upon that report. As for a savings account a credit report is not needed. There isn’t a certain score that that has to be met. Grand Valley Co-Op CU will look at the overall history of the credit report such as any collections, past due monies owed etc.. And yes, you are correct, if needed we could use the credit report for proof of social security number which is needed for all.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

3767 Sparks Drive

Name of Bank ShawBox Community Federal Credit Union
Form of VerificationCredit report ”sometimes” and ID
Special Notes

I called them and they indicated that they do not always run a credit report but they can. They do NOT use ChexSystems.

Membership Information

Our membership is opened to anyone who lives, works, worships, or attends school in Muskegon County.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

414 W. Broadway Ave
Muskegon Hts., MI. 49444

Name of Bank FlagStar Bank
Form of VerificationFIS Qualifile which does show ChexSystems information
Special Notes

They do offer second chance checking called a Next Step Checking for those reported to ChexSystems They will look at

  1. How old the report is
  2. The dollar amount owed
Email from Bank

I called and they stated that they do offer second chance checking.

  • $50.00 to open the account
  • $5.00 monthly fee
  • MUST set up direct deposit

Need valid Drivers license or 2 utility bills that show current address.

Types of Accounts OfferedSecond chance checking
Name of Bank Unified Community Credit Union
Form of VerificationEquifax credit report
Special Notes

They do NOT use ChexSystems. They run an Equifax credit report and are not looking for a specific score but looking at the report overall.

Membership Information

Membership to all residents, volunteers and those who work, worship or attend school in: Belleville, Canton - 48188 ZIP code only. Sumpter Township, Van Buren Township.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Nicolet National Bank
Form of VerificationTransUnion Credit Report
Email from Bank

We do run a credit check on each account owner before opening a personal checking account. We don’t automatically deny someone a checking account if their score is not ideal because we realize that sometimes there are extenuating circumstances. We do not run a credit report for a savings account unless the customer requests an ATM card with the account.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Menominee

Name of Bank Member Focus Community Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

If you live, work, worship or attend school in an area bounded on the North, West and South by the political boundary of Wayne County and on the East by Wyoming Avenue, south by Eight Mile Rd. to the Rouge River, including the city of Dearborn MI.

Email from Bank

We use TeleCheck and we do run a credit report when opening new accounts.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Lakes Community Credit Union
Form of VerificationTeleCheck and Experian credit report for the debit card
Membership Information

Our field of membership includes people living, working, attending school or worshipping in Oakland County.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

4770 Dixie Hwy.
Waterford, MI 48329

310 Euclid St.
Mt. Clemens, MI 48043

Name of Bank Community Wide Federal Credit Union
Form of VerificationCredit report
Membership Information

You can be eligible to join by being a member of the following: Michiana Goodwill Boosters Marine Corps League.

Types of Accounts OfferedPersonal checking and savings account
Name of Bank South Central Credit Union
Form of VerificationCredit report
Membership Information

Anyone who wishes to make a minimum donation of $5.00 to the American Cancer Society is eligible to become a member.

Email from Bank

We currently run a credit report for all new accounts.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Jackson and Adrian

Name of Bank Chief Financial Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Anyone can join and we would love to have you join our Chief family. We have branches located in Pontiac, Orion, Westland and Dearborn as well as over 100 service centers to accommodate you as well. We very much look forward to serving you!

Types of Accounts OfferedPersonal checking, savings and business accounts

  • Leticia Rivera

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