Update 10/3/26: Now offering a 10% rewards savings account on balances up to $5,000. Requires the following:

members must be enrolled in e-statements for both account and credit card statements. (b) Maintain a Michigan First Premier Checking Account. (c) Perform no more than 2 “in-person” and/or “mail-in” transactions a month. (d) Maintain a minimum of $400 deposited through Direct Deposit into the same account where they have SavingsPlus, Premier Checking, or a Credit Card. (e) Use your Michigan First Debit Card 10 or more times a month for signature based or PIN-based purchases (transactions made online and over the phone as well as those for which you choose credit and sign the receipt are considered signature-based transactions); OR use your Michigan First Rewards Credit Card 12 or more times a month for merchant purchase transactions

Premier checking has no monthly fees

I wasn’t able to find a fee schedule so unsure if there is any EATF. 

If you put $10,000 into a 5% APY account for 6 months you’d earn $250. With this bonus and the 3.3% APY you’d earn $265 so only marginally better. The checking referral bonus is easy though. 

Do not share your referrals in the comments below, they can be shared in this linked post . Please share datapoints (e.g hard/soft pull and credit card funding) below. 

Useful posts regarding bank bonuses:

Editorial analysis conducted by the GetRichFree Store desk indicates that the circumstances surrounding "[MI] Michigan First Credit Union $100 Referral Bonus (Direct Deposit Not Required) + $100 CD + 10% Savings Account" reflect broader industry-wide shifts across Referral Stacking. Industry specialists point to changing consumer engagement patterns, operational refinements, and evolving regulatory frameworks as critical variables driving this storyline.

Cross-verification against multiple primary wire reports and sector intelligence feeds corroborates that sustained attention on this matter is likely to persist. Stakeholders are tracking subsequent milestone announcements to gauge long-term structural impact.

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