Checking

Community First offers checking accounts to members with no required minimum balance, no service charges, and no check fees.

  • No required minimum balance
  • No account maintenance fees

We offer instant issue debit cards at our Lakeview, Howard City, and Remus Branches, allowing you to take home your debit card the same day. You may pick up your debit card the next day at our Trufant and Morley Branches. We also offer a mailed option as well.

With your Community First debit card, you can access your account for no surcharge at nearly 30,000 ATMs nationwide with the CO-OP ATM Network.

Lost or stolen debit card? Call (888) 241-2510

Checks are available for members, starting at $24.00 per order. Community First offers FREE checks to members who are 62+ (allowed on one membership per member).

To order checks, simply call or visit us at any branch location. You may also order online here.


Our phone system has been upgraded! Please call 989-352-6031 and our team will be happy to assist you as usual. | Stay Alert for Scams! We often see an increase in scam attempts during the holiday season, and we want to help you stay safe. Important Tips: CFFCU will never call and ask for personal information like your SSN, card number, or online banking details. If someone does, hang up immediately. Never share your SSN, card number, or online banking info over the phone. If you’re unsure, call the company back using their official phone number. One-Time Passcodes should never be shared with anyone. If our Fraud Monitoring Service contacts you, be honest about unauthorized charges—this helps block transactions you didn’t approve. Your security matters to us!