The Lake Michigan Credit Union invites members to take advantage of the best checking account that can earn as much as 4.00% APY for balances through $15,000. This Max Checking program also refunds max of $15 per month of ATM fees as long as you meet the monthly requirements.

Account holders must be able to make 10 purchases using the debit card, make a direct deposit, make use of the online banking facilities at least four times a month, and opt for electronic statements.

The union did not set a minimum balance requirement and does not collect service charges for this checking account. The $15K cap is not as high as the other ceilings for other reward checking accounts in the market today but it allows residents of Western Michigan to open an account near their place of residence.

Residents, employees, worshippers, and students from Michigan counties of Ottawa, Allegan, Muskegon, and Kent are eligible to sign up for membership. You can visit the website for any update with regard to their market areas since their business is expanding particularly in Michigan.

Donors to the West Michigan ALS Association also qualify for membership. This association has an online form which you can access if you want to donate to the group.

The Lake Michigan Credit Union has an available application through their website. If this is the case, it might be open for national membership. It will be best to contact them if you can qualify so you can take advantage of their reward checking account deal.

They have offices in Grand Rapids and other Michigan metros. The union is covered by the NCUA under charter # 62514. It is a pretty big organization with declared assets amounting to about $1.2 billion and member base of more than 121,000.