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  Members First Credit Union Fresh Start Checking

Members First Credit Union Fresh Start Checking

in Checking Accounts from Members First Credit Union · ncua

Unaffiliated

Members First Credit Union Fresh Start Checking

Unaffiliated

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

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Highlights
Monthly Fee $7.95 - $10.95
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Members First Credit Union Fresh Start Checking Review

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 across the USA.

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 service fee of up to $10.95.
  • Bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union.
Members First Credit Union Fresh Start 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
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • 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 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 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 to open an account.

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 service fee of up to $10.95.

Members First Credit Union Fresh Start Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $15
Monthly Fee $7.95 - $10.95
NSF 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 $1

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.

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

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 checks 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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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.

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $15
Monthly Fee $7.95 - $10.95
NSF 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 $1
Account Features
  • Branch Access
  • Insured by NCUA
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Mobile Check Deposit

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