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Members First Credit Union Advantage 60 Checking

in Checking Accounts from Members First Credit Union · ncua

Unaffiliated

Members First Credit Union Advantage 60 Checking

Unaffiliated

in Checking Accounts from Members First Credit Union · Insured by NCUA

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Highlights
Monthly Fee	$0
ATM Fee: Out-of-Network	$0
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0.05%

Members First Credit Union Advantage 60 Checking Review

Members First Credit Union Advantage 60 Checking is offered by Members First Credit Union, a credit union founded in 1936 and based in Midland, MI. Members First Credit Union Advantage 60 Checking is available in 1 state across the USA.

Key Takeaways

Higher than average APY. Members First Credit Union Advantage 60 Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1000.
$0 monthly fee. This account does not charge a monthly Service Charge.
No ATM fees. Members First Credit Union Advantage 60 Checking does not charge fees on ATM transactions.
Bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union.

Members First Credit Union Advantage 60 Checking Pros & Cons

Pros	Cons
Dividend-yielding account 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. No ATM access to Members First Credit Union Advantage 60 Checking. Only available in one state. Higher than average wire transfer fees.

Members First Credit Union Advantage 60 Checking FAQ

Are checking accounts from Members First Credit Union federally insured?

Yes, your Members First 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 First Credit Union Advantage 60 Checking offer?

Members First Credit Union Advantage 60 Checking Rates & Terms
Description
APY (Annual Percentage Yield)	0.05%

Members First Credit Union Advantage 60 Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $1000.

What are the account minimums for Members First Credit Union Advantage 60 Checking?

Members First Credit Union Advantage 60 Checking requires a minimum initial deposit of $25 to open an account.

Members First Credit Union Advantage 60 Checking Account Minimums
Description	Amount
Minimum Opening Deposit	$25
APY Minimum Balance	$1,000

What fees does Members First Credit Union Advantage 60 Checking charge?

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

Members First Credit Union Advantage 60 Checking Fees
Description
ATM Fee: In-Network	$0
Debit Card Replacement Fee	$5
Early Account Closure	$15
Monthly Fee	$0
NSF Fee	$27
Online Bill Pay Fee	$0
Overdraft Item Fee	$27
Overdraft Protection Fee (per transfer)	$27
Paper Statement Fee	$3
Returned Deposit Fee (Domestic)	$15
Returned Deposit Fee (International)	$15
Stop Payment Fee	$27
Wire Transfer Fee - Domestic (Incoming)	$25
Wire Transfer Fee - Domestic (Outgoing)	$25
Wire Transfer Fee - International (Incoming)	$50
Wire Transfer Fee - International (Outgoing)	$50
ATM Fee: Out-of-Network	$0

Does Members First Credit Union Advantage 60 Checking charge overdraft fees?

Yes, Members First Credit Union Advantage 60 Checking charges a $27 fee for every overdraft.

Members First Credit Union Advantage 60 Checking offers overdraft protection at a cost of $27 per transaction.

What features and perks does Members First Credit Union Advantage 60 Checking offer?

This account includes the following features:

Fraud monitoring - Members First Credit Union Advantage 60 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 First Credit Union Advantage 60 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.

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