What's Member Loyalty Rewards?

It's a unique rewards program based on your account relationship with Members 1st. You can benefit in terms of even fewer fees, more free services, reduced consumer loan rates, and bonus certificate rates.

How do I participate in Member Loyalty Rewards?
Your reward level is based upon the total of your combined savings, loan, and Members 1st Investment Services balances under one account. Balances are calculated at the end of the month. Simply use three products under one account number with an aggregate balance of at least $2,500. You'll now benefit from Member Loyalty Rewards!

What are the Member Loyalty Rewards levels?
We offer four reward levels - Silver, Gold, Platinum, and Titanium. The chart below shows the benefits of each level. For example, if you have a savings account, a checking account, and a car loan, and the balances of the three are at least $2500, you're at the Silver level of Member Loyalty Rewards.

Remember, you need to have at least thee products under one account number to benefit. To move up to the next level, consider increasing your account balances by transferring accounts you may have elsewhere or using more of what we offer. Levels will change based on your relationship at month end.

New service enhancement!
You are now able to group your family members who live at your address so that all account owners at the same address can enjoy the same reward benefits. Each account owner must agree to be in the group. Forming a group does not affect account access or ownership. It just means everyone’s balances are added together to make the rewards more beneficial to all.

Family group authorization forms are available at any branch location, or call TeleBranch at (800) 237-7288 for more information.

Additionally, Members 1st Investment Services balances are now counted towards your total balance with us.

Member Loyalty Rewards Levels
	Silver	Gold	Platinum	Titanium
Aggregate Balance Requirement*	$2,500 - $14,999	$15,000 - $34,999	$35,000 - $74,999	$75,000+
Non-Members 1st ATM**	5 Free Per Month**	10 Free Per Month**	15 Free Per Month**	Free**
Online Bill Payer	Free for up to 8 bills/$0.35 each additional bill over 8	Free	Free	Free
Money Orders	$1.50	$1.00	Free	Free
Free Checks	N/A	N/A	N/A	One free box of specialty checks per year ***
Two-Party Traveler's Checks	$.75 per $100	Free	Free	Free
Gift Checks	$2.00	$2.00	Free	Free
Visa Prepaid Gift Cards	Free	Free	Free	Free
Certified Checks	$2.00	Free	Free	Free
Safe Deposit Box	Standard Price	Standard Price	10% Discount	20% Discount
Domestic Wire	$16.00	$13.00	$7.00	Free
Foreign Wire	$35.00	$30.00	$25.00	$20.00
Rate Reduction - Consumer Loans	N/A	N/A	0.05%	0.10%
Stop Payment	$20 per Check Series of checks (2 or more) $30	$20 per Check Series of checks (2 or more) $30	$20 per Check Series of checks (2 or more) $30	Free
Rate Bonus - Certificates	N/A	N/A	0.05%	0.10%
* Aggregate balances equal the total of all your accounts under one account number as of month end, including Members 1st Investment Services balances, but not including first mortgages or variable rate loans (such as PSL's or Home Equity Lines of Credit). Member Loyalty Reward Levels are subject to change without notice. Member Loyalty Rewards does not apply to Business Accounts. ** You may still be charged a surcharge fee from the financial institution or business owning the ATM. ATM transactions counted towards the monthly allowance include withdrawals, transfers, and balance inquiries performed at foreign ATM machines. Deposits to a foreign ATM will not be counted towards the free monthly transaction allowance. *** You must be a Titanium-level member at the time you order your one free box of specialty checks. Does not apply to business accounts. Ask an associate for details.
How to find your current Member Loyalty Reward level?
Your current Member Loyalty Reward level is located on the first page of your Members 1st Statement under your address information. Please see the example statement below for the location.