Whether you’re managing everyday expenses or building for the future, an Extra Credit Union Checking Account helps you stay in control of your money. With low fees, convenient access, and valuable perks, your account is designed to fit your lifestyle. Enjoy flexibility, secure features, and the convenience of multiple account options tailored to your needs.
Protect your account—and your finances—with layered security and backup options that give you greater control, flexibility, and confidence when managing your money.
Shop online with added confidence. Mastercard® SecureCode™ adds an extra layer of authentication at checkout, helping to prevent unauthorized purchases on your debit card.
Cover life’s unexpected expenses with a personal line of credit that’s always available when you need it. Use it as overdraft protection or a financial cushion between paydays.
Automatically transfer available funds from a linked Extra Credit Union savings account or line of credit to your checking account—helping you avoid declined transactions or overdraft fees.
Get an added safety net when your checking account doesn’t have enough funds. Courtesy Pay covers eligible transactions to help you avoid bounced checks and returned payments.
*Courtesy Pay is a discretionary service—not a guarantee or line of credit. It does not represent a formal agreement for Extra Credit Union to cover overdrafts, and the service may be modified or withdrawn at any time. Please note that Point-of-Sale Pay is not automatically available for ATM withdrawals or PIN-based debit card transactions—you must opt in to receive this coverage. For full details, please review our Courtesy Pay policy or contact us at (586) 276-3000.
At Extra Credit Union, we know life doesn’t always go as planned. Credit challenges, setbacks, and unexpected turns happen — and too often, other financial institutions stop at “no.” We don’t. We take the time to hear your story, understand your journey, and give you a real second chance.
That’s what makes us different. We’re more than a credit union — we’re your partner in building a stronger financial future, with products, services, and support designed to help you move forward with confidence.
Build Your Savings, Secure Your Future
Start saving for what matters most with our range of savings accounts. Earn competitive interest rates while keeping your funds accessible and secure.
Higher Returns, Flexible Access
Grow your savings with our money market accounts. Enjoy higher interest rates than traditional savings accounts while still having access to your funds when you need them.
Guaranteed Growth Over Time
Lock in your savings and watch them grow with our CDs. Choose from a variety of terms and rates, ensuring your investments work harder for you.
Start Smart, Save Smart
Teach kids and teens the value of saving with our youth banking options. From savings accounts to financial education, we’re here to help young members build strong financial habits early.
Have questions about banking with Extra Credit Union? We’ve got you covered. Explore our FAQs to find quick answers about accounts, services, fees, and more.
We’ve made registering your new account easy, too! Simply go to www.eClubOnline.net, input the access code MI833135, and follow the simple steps to register your account and activate all your benefits. You can also register your account by phone at 866-210-0361. After you register, make sure you download the eClub mobile app on your phone to stay connected to your benefits wherever you go!
There is a $5 monthly service fee for the Extra Credit Checking account, which will be withdrawn from your account on the last day of every month.
We encourage you to try out your new account and experience all the benefits! If you feel this account isn’t right for you and you’d rather return to your original account type without all the benefits, we will be happy to help! Email us at info@ExtraCreditUnion.org with your account number and let us know that you want to opt out of the Extra Credit Checking and return to your previous account or call us at 877-638-7628 and one of our staff members will help you return to your original account settings.
There is no minimum balance requirement.
No. Every member must open a savings account before adding any other type of account. The deposit of $5 represents a member’s share in the credit union and is nonrefundable.
Yes. Some restrictions apply.
Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.
