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Members 1st Credit Union Flex Checking

in Checking Accounts from Members 1st Credit Union · Member ncua

Unaffiliated

Members 1st Credit Union Flex Checking

Unaffiliated

in Checking Accounts from Members 1st Credit Union · Member NCUSIF

Not enough votes for recommendation

Highlights
Monthly Fee	$0
ATM Fee: Out-of-Network	$0
Minimum Balance to Avoid Monthly Fee	$0
APY (Annual Percentage Yield)	0%

Members 1st Credit Union Flex Checking Review

Members 1st Credit Union Flex Checking is offered by Members 1st Credit Union, a credit union founded in 1936 and based in Redding, CA. Members 1st Credit Union Flex Checking is available in 1 state across the USA.

Key Takeaways

0% APY. As with most checking accounts, Members 1st Credit Union Flex Checking does not pay interest.
$0 monthly fee. This account does not charge a monthly Service Charge.
No ATM fees. Members 1st Credit Union Flex Checking does not charge fees on ATM transactions.
Bill pay. Pay your bills to practically anyone in the United States through Members 1st Credit Union.

Members 1st Credit Union Flex Checking Pros & Cons

Pros	Cons
Deposits are insured by the NCUA (up to $250K). Access to physical branches. Free debit card and the option to lock/unlock the card if lost or stolen	No signup bonus. Does not earn interest Not FDIC-insured. Only available in one state. Higher than average wire transfer fees.

Members 1st Credit Union Flex Checking FAQ

Are checking accounts from Members 1st Credit Union federally insured?

Yes, your Members 1st Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Members 1st Credit Union Flex Checking offer?

Members 1st Credit Union Flex Checking is not an interest-bearing account.

What are the account minimums for Members 1st Credit Union Flex Checking?

Members 1st Credit Union Flex Checking requires a minimum initial deposit of $25 to open an account.

Members 1st Credit Union Flex Checking Account Minimums
Description	Amount
Minimum Opening Deposit	$25

What fees does Members 1st Credit Union Flex Checking charge?

The good news is that this account does not have a monthly Service Charge.

Members 1st Credit Union Flex Checking Fees
Description
ATM Fee: In-Network	$0
Check Cashing Fee	$5
Check Copy	$5
Debit Card Replacement Fee	$5
Early Account Closure	$10
Monthly Fee	$0
NSF Fee	$29
Online Bill Pay Fee	$0
Paper Statement Fee	$5
Returned Deposit Fee (Domestic)	$26
Returned Deposit Fee (International)	$26
Stop Payment Fee	$26
Wire Transfer Fee - Domestic (Incoming)	$10
Wire Transfer Fee - Domestic (Outgoing)	$35
Wire Transfer Fee - International (Incoming)	$35
Wire Transfer Fee - International (Outgoing)	$35
ATM Fee: Out-of-Network	$0

Does Members 1st Credit Union Flex Checking charge overdraft fees?

What features and perks does Members 1st Credit Union Flex Checking offer?

This account includes the following features:

Fraud monitoring - Members 1st Credit Union Flex Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Members 1st Credit Union Flex Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.