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Flint Checking Accounts



Comparing Checking Accounts in Flint: How to Make the Right Choice

Are you looking to open a new checking account in Flint? From our simple Free Checking to our high rate Go-To Checking, there is an account made for you. You can open an account online in less than 3 minutes. The best part about it? If life changes, just switch it up by upgrading your account online or in branch! 


Top Features to Consider When Opening a Checking Account

Before you jump into opening a checking account, it's important to check out the main features. Good news, Financial Plus Credit Union in Flint hooks you up with these features in both our Free Checking and Go-To Checking accounts.

  1. Easily viewable account balance (digital banking): A reliable online platform like the MyFPCU mobile app that allows you to check your account balance conveniently is a must. Feel empowered to know your financial status at any given moment.
  2. Instant debit card: In today's fast-paced world, having an instant debit card is a game-changer. At Financial Plus Flint, you'll get a debit card to use right away when you open your account in branch.
  3. Remote deposit: Remote deposit capabilities allow you to deposit checks from the comfort of your home or on-the-go. It's a time-saver and minimizes the need for in-person banking. This feature is built into the MyFPCU mobile app.

Open an account online in less than 3 minutes!

Use code 'Fall24' when finalizing your app to get up to $300 with direct deposit.*

View Rates    Open an Account


Buy Now, Pay Later at Financial Plus Flint

Now when you use your FPCU debit card, you may be able to spread out larger purchases between $200-$2,000 over time. Not every purchase will qualify. With easy access through digital banking, you can review all your plans, offers, and payments in one convenient place. Get started today with no credit check and take control of your budget while enjoying the flexibility you deserve!

Here's how to get started:

  • Use your FPCU debit card (purchases between $200-$2,000 may be eligible)
  • Check the "Buy Now, Pay Later" option in your digital banking
  • View available offers and eligible purchases (not every purchase between $200-$2,000 will qualify)
  • Decide the purchase you would like to split over time
  • Select the payment plan that works for you
  • See your purchase amount deposited back into your account within 24 hours




Free Checking

A simple and free account with all the basics

  • No minimum requirements
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card

Go-To Checking
Get more from your everyday banking with Go-To Checking
 
  • Earn 4.15% APY** on balances up to $10,000
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card


















Enroll and Get An Instant-issue Debit Card

At FPCU, our debit cards have a contactless feature that allow you to simply tap it near a contactless-enabled merchant terminal. Plus, all branches are equipped with instant-issue, meaning you get your card as soon as you open your account and you can start using it instantly! 

  • Easily access your funds: With our contactless debit card, you can access your funds 24/7 at ATMs. Whether you're traveling, shopping online, or simply need cash, your funds are always within reach.

  • Track your spending: Easily monitor your transactions within digital banking(Opens in a new Window). Stay in control and keep track of your purchases effortlessly.

Your questions, answered.

Getting started with your new checking account is simple. Here’s a checklist of the items you’ll need:

  1. Valid Email Address
    You'll need an active email address for communication and account access.

  2. Social Security Number (SSN)
    This is necessary for identity verification and tax reporting purposes.

  3. Mother’s Maiden Name
    This will serve as a security question to help protect your account.

  4. Employer and Occupation
    Providing your employment details is part of the application process.

  5. Eligibility (If You Live Outside Michigan)
    If you're not a Michigan resident, we’ll check your eligibility for membership.

  6. Initial Deposit
    Be ready to make a small deposit to activate your new checking account.


Additional items that may be required:

  • Valid ID
    A driver's license, passport, or state-issued ID may be needed for identity verification.

  • Proof of Address
    A recent utility bill, lease, or similar document that confirms your current address may be required based on the approval process.

When comparing checking accounts, it's crucial to assess how well each account aligns with your financial goals. Here are some key factors to consider:

  • Account requirements: Our Free Checking account has no monthly requirements while our Go-To Checking account has a monthly direct deposit and debit card transaction requirement. There are no account fees if all requirements are met.
  • Interest rates: Our Go-To Checking account offers 4.15% APY* on balances up to $10,000, which can help your money grow over time. 

Comparing checking accounts is a crucial step in securing your financial future. Explore the checking account options offered by Financial Plus Credit Union, where you can find the ideal account to meet your financial goals, with no fees and all the essential features you require.

You can open your checking account online or at one of our locations. Here are the 12 Financial Plus Credit Union branch locations:

  • Main BranchG-3381 Van Slyke Road, Flint, MI
  • Flint Township – G-5256 Corunna Road, Flint, MI 
  • Fenton – 15125 Silver Parkway, Fenton, MI
  • Flushing – 6530 Pierson Road, Flushing, MI 
  • Grand Blanc  – 8250 S. Saginaw, Grand Blanc, MI 
  • Davison  – 8075 Lapeer Rd, Davison, MI 
  • Swartz Creek  – 7048 Miller Road, Swartz Creek, MI 
  • Bay City 4129 N. Euclid Avenue, Bay City, MI
  • Saginaw –
    - 4686 Fashion Square Boulevard, Saginaw, MI 
    - 4026 Shattuck Road, Saginaw, MI 
    - 9030 Gratiot Road, Saginaw, MI

Find the one closest to you for all your financial needs.














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*Insured by NCUA. Receive incentive when you open a new checking account (no minimum balance requirement) with a minimum direct deposit of $500 for two consecutive months. Incentive deposited within 15 days of meeting the incentive requirements. Cannot be combined with any other offer. Restrictions apply. See credit union for complete details.
**APY = Annual Percentage Yield. Requirements apply to earn 4.15% APY. Dividends paid at month-end on daily balance up to $10,000. A 0.05% APY will apply to balances over $10,000.  A 0.00% APY will apply in months where all requirements are not met. APY current as of 7/6/23. Rates subject to change. Limit one Go-To Checking account per primary member. Business accounts do not qualify. Some restrictions apply. See Credit Union for complete details.