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Bank Michigan

Personal Savings Options

Savings Solutions for Your Busy Life

Whether it's to put a little money aside for a rainy day, start your child on their path to financial independence, or you're considering options for retirement, Bank Michigan offers a variety of savings solutions to meet your personal banking needs.

Savings Accounts

A Savings Account provides a safe and easily accessible place for your hard-earned money. Along with a Personal Checking account, it's a vital component to easily managing your daily finances.

  • Open your account with as little as $10
  • Earns interest on daily balances above $200
  • Online Banking, Mobile Banking, Telephone Banking, and more!

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Youth Savings Accounts

Start your child off on the right foot with a Youth Savings Account from Bank Michigan. A low opening deposit and no fees make this account the perfect way to instill important savings habits early in life.

  • Open your account with as little as $10
  • Earns interest on daily balances above $25
  • Requires a parent or guardian when the child is under the age of 18

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Health Savings Accounts

A Health Savings Account (HSA) is a type of savings account that allows you to set aside pre-tax money to pay for qualified medical expenses. This allows you to pay for expenses such as deductibles, copayments, and other expenses to help lower overall healthcare expenses. 

  • Pay for qualified medical expenses
  • Use pre-tax dollars to save you money over time
  • Requires the use of an HDHP (High Deductible Health Plan)

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Money Market Accounts

Earn higher rates for higher balances, yet maintain access to your funds whenever you need to with a Money Market Account from Bank Michigan.

  • Requires a minimum deposit of $10,000 to open and qualify to earn interest
  • Tiered rates compound and credited monthly
  • Accessible via Online Banking, Mobile Banking, and Telephone Banking services

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Certificates of Deposit and IRAs

A Certificate of Deposit (CD) provides you the ability to earn a higher rate on your money, depending on the term selected. Any of our CD products can also be used as an Individual Retirement Account, providing tax advantages depending on whether you select the Traditional or Roth IRA option.

  • Minimum opening balance of $1,000
  • Tiered rates compounded and credited quarterly
  • Terms ranging from 12 to 60 months
  • IRAs can be classified as Traditional or Roth and are subject to IRS rules

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Savings Made Simple

Save while you spend by using Bank Michigan's Savings Made Simple program. Every swipe with your debit card rounds up and the added amount is swept into your savings account. This makes it super easy to put a little bit aside without having to put much thought, or effort, into the saving process.

  • Rounds up transactions from debit card purchases and deposits into your savings account
  • Shop as you normally would and we'll take care of the rest
  • Totally free service to help you save more every day

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Put the power of savings in the palm of your hand, a powerful savings app that helps you save for what you need, or want most. Plinqit links to your Bank Michigan Account to make saving easy - and FUN. Download the app today and get saving!

  • Set a goal and see your savings grow
  • Put away money, one little bit at a time
  • Save and get Plinqit rewards for it
  • Refer friends & earn rewards

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Bank Michigan


Set aside funds to pay for approved medical expenses with an HSA from Bank Michigan.

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Bank Michigan


Plinqit is a powerful saving platform and one more way Bank Michigan puts our customers first.

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