By offering you two different checking options, we empower you to choose what works best for your banking preferences. If you prefer to go green and receive eStatements and eNotices, our free checking account is the perfect fit for you!
|Free Checking||Rewards Checking|
|No minimum balance||No minimum balance|
|Earn monthly dividends with a $2,500 or more balance||Earn monthly dividends with a $2,500 or more balance|
|No statement fees||$2 fee per statement|
|Online and mobile account access||Online and mobile account access|
|Overdraft Protection, Courtesy Pay & Extra Courtesy Pay available||Overdraft Protection, Courtesy Pay & Extra Courtesy Pay available|
|Enrollment in eStatements/eNotices required||Enrollment in eStatements/eNotices not required|
|Free Bill Pay||Free Bill Pay|
Need a check to pay your bill but you don’t have any? No problem, we offer both Teller checks and Certified checks for our members.
A Teller Check is a check withdrawn from a members account, and may also be referred to as an Official Check, Bank Check, or Cashier's Check. This is considered guaranteed funds by Members 1st, however some companies/payees will require a Certified Check to be considered guaranteed funds.
A Certified check is a check withdrawn from a members account which is considered guaranteed funds by Members 1st and other financial institutions.
A Money Order is a type of check intended to provide a safe alternative to sending cash by mail. Money orders are also a more trusted method of payment than a personal check, since it is required that the funds be prepaid for the amount shown on it. Merchants may welcome the extra security that being paid with a money order may offer.
You may have a checking account at age 13 providing a parent or guardian is on your account. At age 18, you may have an account on your own.
If you have ordered checks previously, please login to online banking and select the "Services" tab, then click the "Order Now" box. Follow the prompts to order your checks for the account chosen.
Overdraft Protection is a fee-free service that allows funds to automatically be transferred from other Members 1st products to cover any overdrafts in your checking account.
Courtesy Pay is an additional service that can help you avoid the embarrassment and inconvenience of returned items. The types of transactions covered by Courtesy Pay are: Check, ACH debit, bill pay and recurring debit transactions.
Extra Courtesy Pay for ATM and debit card purchases, you must request for us to cover and pay those items.
Truth In Savings Disclosure >