Members First Credit Union eChecking
in Checking Accounts from Members First Credit Union · ncua
UnaffiliatedMembers First Credit Union eChecking
in Checking Accounts from Members First Credit Union · Insured by NCUA
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| Monthly Fee | $7.50 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $750 |
| APY (Annual Percentage Yield) | 0.05% |
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 is available in 1 state across the USA.
- Higher than average APY. Members First Credit Union eChecking 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.
- 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.
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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 eChecking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.05% |
Members First Credit Union eChecking 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 eChecking?
Members First Credit Union eChecking requires a minimum initial deposit of $25 to open an account.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $25 |
| APY Minimum Balance | $1,000 |
| Minimum Balance to Avoid Monthly Service Fee | $750 |
What fees does Members First Credit Union eChecking charge?
This account charges a monthly service fee of $7.5.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $15 |
| Monthly Fee | $7.50 |
| NSF Fee | $27 |
| Online Bill Pay Fee | $27 |
| 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 eChecking charge overdraft fees?
Yes, Members First Credit Union eChecking charges a $27 fee for every overdraft.Members First Credit Union eChecking offers 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.
Contact
- Headquarters
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P.O. Box 2165
Midland, MI 48641 - Visit Site
Other Services by Members First Credit Union
Availability
Feature Breakdown
| APY Minimum Balance | $1,000 |
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | $750 |
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