Members First Credit Union eChecking
Unaffiliated
Members First Credit Union eChecking
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| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.12% (Verified 07/16/2022) |
| Monthly Fee | $7.50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $750 |
Members First Credit Union eChecking Review
Members First Credit Union eChecking is offered by Members First Credit Union, a credit union founded in 1936 and based in Midland, MI. Members First Credit Union eChecking are available in 1 state across the USA.
Key Takeaways
- Higher than average APY. Members First Credit Union eChecking has an annual percentage yield of up to 0.12%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1000.
- Charges a monthly fee. This account charges a monthly service fee of $7.50, but the fee is waived if you keep a minimum balance of $750.
- No ATM fees. Members First Credit Union eChecking 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 eChecking Pros & Cons
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Members First Credit Union eChecking FAQ
Are checking accounts from Members First Credit Union federally insured?
Yes, your 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 eChecking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.12% |
Members First Credit Union eChecking offers an APY of 0.12% (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 eChecking?
Members First Credit Union eChecking requires a minimum initial deposit of $25 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $750 |
| Minimum Balance to Earn APY | $1,000 |
What fees does Members First Credit Union eChecking charge?
This account charges a monthly service fee of $7.5.
| Description | |
|---|---|
| Monthly Fee | $7.50 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $0 |
| NSF Fee | $27 |
| Overdraft Item Fee | $27 |
| Overdraft Protection Fee (per transfer) | $27 |
| 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 |
| Paper Statement Fee | $3 |
| Online Bill Pay Fee | $27 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $15 |
Does Members First Credit Union eChecking charge overdraft fees?
Yes, Members First Credit Union eChecking charges a $27 fee for every overdraft. You can get overdraft protection at a cost of $27 per transaction.What features and perks does Members First Credit Union eChecking offer?
This account includes the following features:
- Fraud monitoring - Members First Credit Union eChecking 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 eChecking 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.
What is the customer support email for Members First Credit Union eChecking?
The customer support email for Members First Credit Union eChecking is mail@mfcu.net.
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Message From Members First Credit Union eChecking
Contact
- Headquarters
-
P.O. Box 2165
Midland, MI 48641 USA - Visit Site
- Email Support
Other Services by Members First Credit Union
View all checking accounts offered by Members First Credit Union
Availability
Available in 1 state
Michigan
Availabile in all of Michigan
Feature Breakdown
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $750 |
| Minimum Balance to Earn APY | $1,000 |
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