Our Policy on Check Cashing & Check Holds
Because of the alarming rise in check fraud, scams and identity theft, we found it necessary to initiate a check cashing and check hold policy. We are doing this to protect not only the Credit Union, but you, our valued members.

Members 1st will delay the availability of deposited funds until the second business day after deposit for local checks or the fifth business day after the day of deposit for non-local checks under $5,000. For checks between $5,000 and $24,999, we will delay the availability of deposited funds until the fifth business day after deposit for local checks or the seventh business day after the day of deposit for non-local checks. Members 1st will delay availability for all local and non-local checks over $25,000 to seven business days.

In certain circumstances, Members 1st may extend the hold period for local and non-local checks an additional five business days:
Regardless of the above circumstances, in all cases the first $250 of all deposits must be made available on the first business day after date of deposit.

Funds granted next day availability include:
When you use direct deposit, your money is availably immediately.