Becoming a Member

Open Your Account

Ready to become a member? You can open your account in three easy steps. You'll need the following information for yourself and any joint* account owners.

number 1
Valid Identification1

(Driver's License, State or Government issued ID, US Passport, or Permanent Resident Card2)

number 2
Valid United States Social Security Number
number 3
Current Physical Address
number 4
Date of Birth
Number 5
Valid Email Address

To open your account, you'll also need to make a $5 opening deposit into a Regular Savings account.
You can fund your account with a debit or credit card, or you can transfer the funds from another financial institution.

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Patriot Act Notice


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents.

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Personal Account


If you intend to use the account for any type of business purpose, then a business account is required. Business accounts are required for the following:

  • Independent Contractor (Consultant, Construction, Home Improvement, Fashion/Cosmetic Sales, etc.)
  • Real Estate Sales (Buying/Selling Commercial or Residential Properties for profit)
  • Rental Properties (not applicable to 4 or less residential units)
  • Sales (Items purchased or produced with the intent to sell in person or online for a profit on an ongoing basis)

To open a business account, please visit one of our branch locations.

Let's get started

Choose your application

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Personal Account

If your employer, organization, school, or place of worship is affiliated with us, you can join in minutes. Membership is also open to family of current members.

Apply Now
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Youth Account (ages 0-12)

Time to graduate from the piggy bank? Legal guardians can open a Youth Account online.

Apply now
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Youth Account (ages 13-18)

From financing your first car to saving for college, Members 1st has options tailored for those just starting out.

Apply now

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Consumer Disclosures

Here are all the consumer disclosures you will receive during the new account opening process:

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*Joint Ownership allows all owners to perform deposits, withdraws, transfers and the ability to close products (however, only the Primary can close the account in full). Each owner will have full and equal authority to access all funds, regardless of where the funds originated. No owner can remove another owner from the account, they can only remove themselves. The account includes right of survivorship, meaning if one owner passes away, the funds are split among the remaining account owners, regardless of what the deceased owner's Will states. This account also includes rights of setoff, which means funds in this account can be used towards any and all obligations, liability or debt owed by any owner on the account, regardless of where the funds originated from. Please see the following article for more information Joint Ownership vs. Power of Attorney.

1 Not required for minors
2 Second form of valid identification required

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For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.