BENEFITS OF A CHECKING ACCOUNT
A checking account is an essential tool in helping you build a budget and reach your financial goals. Opening a checking account with Members 1st Federal Credit Union enables you to:
- Keep your money safe: Our team monitors your account 24/7 to ensure your account information remains secure.
- Make simple payments: When you open a checking account with us, you have the option to receive a free Visa® debit card, which you can use to pay for purchases to eliminate the need to carry and manage cash.
- Easily access your money: Checking accounts offer a convenient way to withdraw funds from ATMs. Members 1st has ATM locations across Pennsylvania, allowing you to withdraw cash anytime.
- Manage your money from anywhere: When you download the Members 1st app, you can easily check your account balance and transfer funds into and out of your online checking account.
- Transfer funds: If you have multiple checking accounts or a savings and checking account, you can schedule one-time or recurring transfers between accounts.
TWO CHOICES. ONE STANDOUT.
From 1st Defense™ checking's added security and savings benefits to the everyday simplicity of our standard checking account, explore our checking accounts to find the perfect fit for you.
Standard Checking
For members looking for a simple, straightforward account.
1st Defense™ Checking
For members who want more from their checking account with built-in security, support and savings benefits.
FEATURES | STANDARD | 1st DEFENSE™ |
---|---|---|
Free Bill Pay | ||
Overdraft Protection | ||
No Minimum | ||
Debit Card | ||
24/7 Money Access | ||
Identity Protection | — | |
Credit File Monitoring* | — | |
24/7 Roadside Assistance2 | — | |
Cell Phone Protection2 | — | |
Travel & Leisure Discounts | — | |
Telehealth3* & Health Discount Savings4* | — | |
$hopping Rewards™* | — | |
Monthly fee | — | $6.95 |
*Registration/activation required.
¹Eligibility: Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts and/or organizations
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online through your Members 1st Online Banking or Mobile App. Insurance Products are not insured by the NCUA or any federal government agency; they are not a deposit of or guaranteed by the credit union or any credit union affiliate.
³Available for the account holder and their spouse/domestic partner and up to six (6) dependent children aged 2 and older. This is not insurance.
4This is not insurance.
TAKE 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.
Overdraft Protection
You can link your checking account to a savings account, money market or line of credit, including person or home equity lines, to cover overdrafts without transfer fees.

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 ATMs 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:
- Signing into Members 1st Online Banking and going to the "Accounts" page.
- Click the share product (checking, savings, etc.) where you would like to receive the deposit.
- Your checking or savings account number and Member ID for direct deposit will be displayed at the top of the page.
OPEN AN ACCOUNT WITH US TODAY
Take the first step toward greater financial freedom by opening a checking account with Members 1st. Open your new account online, or find a branch near you to get started today.