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  Members 1st Credit Union Flex Checking
Members 1st Credit Union Flex Checking
in Checking Accounts from Members 1st Credit Union · Insured by NCUA
Unaffiliated

Members 1st Credit Union Flex Checking

Unaffiliated
in Checking Accounts from Members 1st Credit Union · Insured by NCUA
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $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
  • Insured by NCUA.
  • 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
  • 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 share owner for each account ownership category. 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 Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

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
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
NSF Fee $29
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Check Cashing Fee $5
Debit Card Replacement Fee $5
Early Account Closure $10

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.

What is the customer support email for Members 1st Credit Union Flex Checking?

The customer support email for Members 1st Credit Union Flex Checking is updates@m1cu.org.

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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.

Message From Members 1st Credit Union

Your account comes with loads of features you are going to love. Flex Checking, Available to every account with no monthly fees or minimum deposits to maintain. Enjoy flex checking by Members 1st including Online Banking, Bill Pay, eStatements, eAlerts, Mobile App, Remote Check Deposits and Debit Rewards.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
NSF Fee $29
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Check Cashing Fee $5
Debit Card Replacement Fee $5
Early Account Closure $10
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0%

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