Spend Smarter

Cards, Accounts, and More.

We offer big rewards, mobile wallet convenience, and money-saving features to help you afford more of the things you love.

What are you looking for?

Image containing a book of checks and a pen

Our checking accounts have no minimum balance, allow free online bill pay, and offer a contactless debit card. With our mobile app, managing your spending is easier than ever.

Learn more
Image containing a hand holding a Visa debit card
Visa Credit Cards

Whether you're after cash back or points rewards, low rates, or a card to help rebuild your credit score, we've got an option that's right for you.

Learn more
Image containing a small safe
Overdraft Protection and Courtesy Pay

Fee-free overdraft protection draws money from your savings to cover purchases that exceed your checking balance. If you don't have the money in another account, we'll temporarily cover the cost with courtesy pay. 

Learn more

You get more than an account

Icon of a person with a headset
Concierge Service

Have questions? Good thing you have MyConcierge™. Half personal sidekick, half financial wizard, your concierge knows money management like the back of their hand. Best of all, they're always ready to help.

Icon of a percentage symbol with diagnol downward arrow
Low, transparent fees

We never want our members to worry about high or hidden fees. While most of our cards and checking accounts have few fees to begin with, if and when there's a fee, we're up-front about it.

Icon of wrench and screwdriver
Online tools and support

We want to make your spending a seamless experience, and our mobile app lets you easily track, understand, and manage your spending. Handle bills, transfer funds, or even pay other members right from the app.

Icon of a gift box
Rewards when you spend

Use your credit card? Get ready to be rewarded. Over $2,500 in your checking account? You guessed it—more rewards. How do we manage all those rewards? It's simple—we're a not-for-profit organization, which means more money goes back to our members.

Common Questions

Yes, we offer overdraft protection for peace of mind to cover transactions in the event there are insufficient funds in your checking account. You may link your checking account to your savings, supplemental savings, or money market. You can also use your home equity line of credit or personal line of credit to cover insufficient funds—and these sources allow unlimited transfers.

We need to make sure you really are who you say you are. To open your account you will need a government issued form of ID, such as your driver's license and a valid email address. We also need to know your Social Security number so we can verify your identification.

To help build credit or re-establish credit, we offer our Visa Platinum® Secured credit card. This card has a $25 annual fee and offers a maximum credit line of $5,000. It is secured by your savings account.

We do not charge monthly account fees. For a complete list of service charges, click here.

Connect with an expert

Get started in three easy steps.

For just $5

number 1
Open an account.
number 2
Spend money. Earn rewards.
number 3
Manage your spending with our mobile app.

Already a member?

Get the app
We're Here to Help

Getting Ready for Life's Moments and Milestones

Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

Get Started

Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

Get Started

Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

Get Started


Protecting what you care about shouldn’t be complicated or unaffordable. We offer a full range of personal, group, auto, health, and life insurance plans through the most respected insurance companies in the business.

Get Started

Hit the Road

Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

Get Started

Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

Get Started

Please be aware that by continuing you will be leaving www.members1st.org and viewing content from another website.

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.