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We Put Our Members First.

Visa Debit Card

Our fee free Visa Debit Card offers our exclusive Swipe 5® cash back rebate. We'll pay you 5 cents for every qualified point-of-sale "credit" transactions (ATM and any transactions using a PIN do not qualify). Rebates are paid monthly and are posted to your Checking account. A Checking account is required to have our Debit Card. This card may also be used at an ATM.

How do I enroll in Overdraft Protection for my Debit Card?

Members who use our home banking service, Members 1st Online, may log in and follow the appropriate link. Members who do not currently use this service may call (800) 237-7288.

Where can I use my Debit Card?

Surcharge Free CO-OP ATMs
Surcharge Free CU$ ATMs
Follow this link to find a PLUS® ATM near you

Will I be charged a Fee to use any of these ATMs?

You may not be charged a surcharge fee, but other fees may apply. Owners of PLUS® ATMs may charge a surcharge fee.

What are the Daily Withdrawal limits at an ATM when I use my Visa Debit Card?

You may withdraw $1,000 total daily at an ATM

What are the Daily Point-Of-Sale (POS) Transaction limits when I use my Visa Debit Card at a POS?

You may make a total of $5,000 in POS transactions daily.

Personalize your Debit Card

You have two options when it comes to ordering your debit card. You may choose from one of our standard pre-selected designs or you may opt to design your own card.


debit card personalization


Designing your own debit card is a fun way to show off your photography skills. If you decide to design your own card, you can choose to put your own photo on your card as an added security feature or you may opt to put your favorite photo on the entire front of the card.

Your first personalized debit card is free. If you decide you want to change your picture later, you can change it whenever you want, as often as you want. Each additional image change that is made prior to your card's expiration date is only $5.

Personalize Your Debit Card Online!

Pre-Selected Standard Card Designs

VISA Personalized Debit Cards

For additional details about personalizing your debit card, refer to the following:

Frequently Asked Questions About Debit Card Personalization
Photo Upload Guidelines
Terms & Conditions

How can I change my PIN?

  1. Visit any branch with or without the PIN that was mailed.
  2. If you have your current PIN, you can change it at any Members 1st ATM using the "pin change" option on the "main menu".
To reach our Card Services experts call:
(800) 283-2328, ext. 6035
If you are a member of our Credit Union and have a card-related concern, please refer to these phone numbers:

Report a lost, stolen or found card:
(800) 826-4314

24-hour account inquiries:
(800) 283-4372
Certificate Special Offer


Home Equity Freedom


Visa Balance Transfer


*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288. All products and services available on this website are available at all Members 1st branch locations.