Michigan Education Savings Program (MESP)

Important Changes To Your Michigan Education Savings Program

MESP has enhanced its investment menu and completed the transition to a new account management system.

MESP account owner information, including historical information, account preferences and investment selections automatically transitioned to the new platform. As a result MESP account numbers have changed. Rather than different account numbers for each beneficiary, your new account number is a 9-character string of numbers (your master account number) followed by a 2-digit extension distinguishing each of your beneficiaries. If you have only one beneficiary the extension is 01, for multiple beneficiaries 02, 03, etc. Be sure to login above to re-establish your login credentials. You may use either your new 11-character account number (9-character master + 2-digit extension) or your old account number.

You can learn about your improved investment options and enhanced user experience by reviewing the MESP Transition Guide. Key benefits include:

  • Lower Fees Resulting in an Overall 44% Reduction in Average Fees
  • New Enrollment Year Investment Options
  • New Target Allocation Investment Options (Balanced Option renamed Moderate Allocation Option)
  • New Underlying Investments from Vanguard, Schwab and iShares
  • New and Improved Online Account Management
  • New Payroll Direct Deposit Process

For details about the enhancements, please click on the Transition Guide below. A full Program Description which is effective June 15, 2020 can also be accessed below.

Your MESP Activation list:


Note your new 11-character account number in your confirmation statement for future reference.


Re-establish your login credentials by creating a new user ID and password at MIsaves.com.


If you have not established online access, we encourage you to establish online credentials for easy account access.


If you have in the past shared a MESP eGift code with family and friends for gifting at birthdays and holidays, please replace it with a MESP Ugift code. Learn more about Ugift.


If you currently contribute to your account through payroll direct deposit, please make the required changes to update your payroll instructions to ensure continuation. If you did not receive a letter from us containing a Payroll Direct Deposit Form (see sample), please contact us immediately so we may provide updated payroll direct deposit instructions.


Because your MESP account number changed and the Program's banking routing information changed with the transition to the new account management system, any direct deposit contributions submitted by employers after June 11, 2020 will be returned unless direct deposit instructions are updated. If you currently contribute to your account through payroll direct deposit, you should have received a letter containing instructions to update your payroll instructions. If you did not receive this letter, please contact us at 1-877-861-6377.

Please call MESP with any questions. We are open M-F, 8 AM to 8 PM ET at 1-877-861-6377.