Checking accounts

Let's keep this simple.

What makes a good checking account? No hidden fees or funny business. No minimum balance requirements, either. And seeing as it's the 21st century, the account should be smart enough to take care of overdraft protection and low funds automatically. Sound good? Let's get started.

Pay your way

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Teller's checks (cashier checks)

A teller's check is a way to guarantee that your check won't bounce. The payment is moved from your account to a Members 1st escrow account, and we pay the check recipient directly.

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Certified checks

Think of a certified check as a more secure version of an everyday check. We certify that your signature is genuine and that you have sufficient funds, and we hold those funds for the check's recipient.

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Money orders

Need to send money by mail? Sending cash can be riskymoney orders provide a much safer alternative. 

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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 can temporarily cover the cost with courtesy pay.

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Take control of your spending

Financial health starts with understanding your spending. We set out to make it easier than ever.

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Powerful mobile tools

Our mobile app lets you check your balance, transfer money, deposit a check, and more.

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Free online bill pay

Still paying your monthly bills the old-fashioned way? With online bill pay, you can set and forget recurring payments—no postage required.

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Contactless debit cards

We offer contactless debit cards to our members for an extra layer of security and convenience when making purchases.

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Skip the fees. Save the trees.

If you choose eStatements and eNotices, you won't be charged any statement fees. If you prefer paper statements, we charge just $2 per statement.

Common Questions

If you suspect fraudulent activity on your account or have other account concerns, please call Customer Service at (800) 237-7288 or visit a branch. We can help you close your existing account and open a new account for your protection.

Members can avoid paying a surcharge by using a CO-OP ATM or a CU$ ATM. You won't be charged a surcharge at these ATMs. CO-OP and CU$ ATMs are located throughout the United States.

We don't charge members a fee for using our ATMs. You may be charged a surcharge fee from the financial institution or business that owns the ATM. Your Member Loyalty Rewards level determines the number of free monthly transactions you may have when using a non-Members 1st ATM, known as a "foreign" ATM. ATM transactions count towards the monthly allowance and include withdrawals, transfers, and balance inquiries performed at foreign ATM machines. Deposits made through a foreign ATM will not be counted towards the free monthly transaction allowance. Every ATM must advise if a surcharge fee is applicable.

Please note that other fees may be associated with ATM withdrawals and inquiries that exceed three per month on non-Members 1st ATM and on returned unpaid ATM deposits.

You are eligible for a checking account at the age of 13. To qualify, you need to open an account and meet the criteria as outlined in our Membership and Account Agreement.

You can order more checks through our digital banking tools. You may also call Customer Service at (800) 237-7288 or visit a branch.

Your 10- or 14-digit checking account number and your 17-digit savings account number can be found by:

  1. Signing in to Members 1st Online banking and going to the "Accounts" page.
  2. Click the share product (checking, savings, etc.) where you would like to receive the deposit.
  3. Your checking or savings account number and Member ID for direct deposit will be displayed at the top of the page.
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Open your account

You can open your account online in just a few minutes. Or if you like, stop by any of our branch locations and we can do it for you.

We're Here to Help

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Please be aware that by continuing you will be leaving 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.