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Last Updated: 01/21/2026

Members First Credit Union Fresh Start Checking

from Members First Credit Union

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

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Monthly Service Fee

$7.95 - $10.95(Verified 01/21/2026)

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Members First Credit Union Fresh Start Checking Review

The Members First Credit Union Fresh Start Checking is offered by Members First Credit Union, a credit union founded in 1936 and based in Midland, MI. Members First Credit Union Fresh Start Checking is available in 1 state.

Key Takeaways

0% APY. As with most checking accounts, Members First Credit Union Fresh Start Checking does not pay interest.
Charges a monthly fee. This account charges a monthly fee of up to $10.95.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Members First Credit Union mobile or online banking.

Members First Credit Union Fresh Start Checking Pros & Cons

Pros

Cons

Insured by NCUA.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Does not earn interest
Does not provide access to a nationwide ATM network.
Only available in one state.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

Members First Credit Union Fresh Start Checking 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 Fresh Start Checking offer?

Members First Credit Union Fresh Start Checking is not an interest-bearing account.

What are the account minimums for Members First Credit Union Fresh Start Checking?

Members First Credit Union Fresh Start Checking requires a minimum initial deposit of $25.

Members First Credit Union Fresh Start Checking Minimums

Description

Minimum Opening Deposit

Starting at $25

What fees does Members First Credit Union Fresh Start Checking charge?

This account charges a monthly maintenance fee each statement cycle of up to $10.95.

Members First Credit Union Fresh Start Checking Fees

Description

Monthly Service Fee

$7.95 - $10.95

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1

NSF Fee

$27

Overdraft Item Fee

Starting at $27

Early Account Closure

Starting at $15

Returned Deposit Fee (Domestic)

Starting at $15

Card Replacement Fee (Standard Delivery)

Starting at $5

Stop Payment Fee

Starting at $27

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $25

Wire Transfer Fee - International (Outgoing)

Starting at $50

Wire Transfer Fee - International (Incoming)

Starting at $50

Returned Deposit Fee (International)

Starting at $15

Wire Transfer Fee - US Domestic (Incoming)

Starting at $25

Does Members First Credit Union Fresh Start Checking charge overdraft fees?

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

What features and perks does Members First Credit Union Fresh Start Checking offer?

This account includes the following features:

Fraud monitoring - Members First Credit Union Fresh Start 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 Fresh Start Checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.

What is the customer support email for Members First Credit Union Fresh Start Checking?

The customer support email for Members First Credit Union Fresh Start Checking is mail@mfcu.net.

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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 First Credit Union Fresh Start Checking

We have a variety of options with different perks, access to over 30,000 surcharge-free ATMs, and our team is fully prepared to find the perfect match for you. All checking accounts include free instant issue debit cards, free automatic transfers, and free starter checks at the time of account opening. Each option has free eServices including Online & Mobile Banking and Mobile Check Deposit.

Fresh Start Checking --- If you’ve been denied at other financial institutions, this may be the option for you. This account will give you freedom from the endless cycle of check cashing, prepaid debit cards, and payday lending. We’re proud to offer you a realistic solution and help provide peace of mind.

Contact

Headquarters

P.O. Box 2165

Midland, MI 48641

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

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