We’re so glad you asked. To put it simply, we do things differently. Here, your dollars help fund local businesses, first-time homebuyers and financial dreams. Here's a glimpse of what you can expect as a member-owner:
When will I receive my $50 Amazon.com eGift card?
Rewards will be credited to you and the person who referred you no later than six business days after you complete all requirements of the program.
What do I need to do to qualify for the referral reward?
Apply through this page.
Open a checking account and regular savings with a $5.00 minimum deposit.
Once your membership application is approved, your $50 Amazon.com eGift card will be emailed to you within six business days.
Can I check the status of my application?
You can check the status of your membership application by clicking here (opens in a new tab).

¹Members 1st Digital Referral Program Terms and Conditions
Program Requirements
Any existing member in good standing can participate by sharing their personal link. Upon sharing, you will become a referrer (“Referrer/s”) and will be given a unique web link to share with friends and family who are not already a member of Members 1st (“Friends”) and who are happy to receive the link from you.
Friends must use the link to register their details and join Members 1st. Friends consent to communication of confirmation of membership to the Referrer.
Referrer and Friend will each receive their reward subject to these Terms & Conditions.
The Offer cannot be used in conjunction with any other offer.
Referrers' and Friends' ("Users") personal data will be collected, stored and processed for the purposes of administering and assessing the Promotion. Members 1st will comply with all requirements of the Gramm-Leach-Bliley Act, Regulation P, and all other pertinent federal and state privacy laws.
Members 1st reserves the right to suspend, cancel or amend the Promotion and/or review and revise these terms and conditions at any time without giving prior notice and by continuing to take part in the Promotion subsequent to any revision of these Terms & Conditions, Users shall be deemed to have agreed to any such new or amended terms.
The Promotion is in no way sponsored, endorsed or administered by, or associated with, X or Facebook or any other form of social media. By entering this Promotion, Users are providing information to Members 1st and not to X or Facebook and agree to release X and Facebook from any liability associated with the Promotion.
Eligibility of prospective member is subject to verification.
Current members and joint owners do not qualify as prospective members.
Associates, volunteers and officials of Members 1st are not eligible.
The following account types are not eligible for payout under this Promotion:
Youth Club Accounts
Business Accounts
Custodial Accounts
Trust Accounts
Estate Accounts
Burial Reserve Accounts
Donation Accounts
Public Funds Accounts
IOLTA Accounts
Bonuses will be reported to the IRS for income tax purposes. Members 1st will issue you a 1099 or other appropriate tax form.
Qualifying Action
A “Qualifying Action” is defined as all of the following:
The Friend joining and accepting membership at Members 1st
$5 is required to open account and must remain in account until closure
²Prospective members must meet current eligibility requirements.