Pay your way
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 risky—money 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.
Learn moreTake control of your spending
Financial health starts with understanding your spending. We set out to make it easier than ever.
Powerful mobile tools
Our mobile app lets you check your balance, transfer money, deposit a check, and more.
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.
Contactless debit cards
We offer contactless debit cards to our members for an extra layer of security and convenience when making purchases.
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.
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.