Opening a checking account for your church can feel complicated, but at Christian Financial, we make it simple and straightforward. We have a dedicated team to help your church manage finances safely and efficiently, whether you’re a nonprofit corporation, or church.

Who Can Open a Church Account?
Churches in Michigan are typically formed as nonprofit corporations under the Michigan Nonprofit Corporation Act. Common purposes for nonprofit corporations include religious, educational, literary, scientific, and charitable activities. Catholic churches usually follow ecclesiastical formation rules and are not created as nonprofit corporations.

Any authorized signer can open the account as long as the EIN and LARA/Archdiocese paperwork are provided. Most often, the pastor is included, along with the parish secretary or treasurer.

Requirements to Open a Church Account
To open a church business account, you’ll need a few key documents and information:

• Business Account Card – completed at account opening.
• Articles of Incorporation – required for churches formed as nonprofit corporations (not needed for Catholic churches).
• Employer Identification Number (EIN) – every account uses an EIN.
• Valid Picture ID – for the pastor and all authorized signers (legible photocopies accepted).
• Business Verification – a LARA or Archdiocese of Detroit website printout to confirm the church’s status.
• Pastor Authorization Letter – required if the pastor is not present or being added to the account.

Why Churches Choose Christian Financial

• Money Market Checking for Churches: Keep your church’s funds liquid while earning a competitive rate.
• Digital Tools: Manage finances easily with online and mobile tools.
• Security: Protect your accounts with Check and ACH Positive Pay, helping prevent fraud.
• Dedicated Support: Our team specializes in church finances and nonprofit regulations, offering personalized guidance.
• Flexible Services: From business checking and savings to ACH services and credit cards, we provide the tools your church needs to manage donations and expenses.
• Local & Trusted: Serving Michigan churches for years, we understand the unique needs of local ministries.
• Simple Process: We guide you step-by-step through required documentation, making account opening fast and stress-free.

We have a dedicated team to help your church. Getting your account set up shouldn’t be stressful, we are here to support your mission and financial needs every step of the way.

Ready to Open Your Church Account?

You can open your business account online using the link below, or schedule an appointment if you prefer to open it in person.

If you have any questions about what we have to offer, or just want to talk through your options – reach out to our Business Development team at businessdevelopment@cfcumail.org.

We’ll make sure your church’s finances are in good hands.