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  Members First Credit Union Fresh Start Checking
Members First Credit Union Fresh Start Checking Unaffiliated

Members First Credit Union Fresh Start Checking

Unaffiliated
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $7.95 - $10.95
Minimum Balance to Avoid Monthly Fee N/A

Members First Credit Union Fresh Start Checking Review

Members First Credit Union Fresh Start Checking is offered by Members First 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.
Members First Credit Union Fresh Start Checking Pros & Cons
Pros Cons
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • 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?

No, your Members First Credit Union checking accounts are not insured by a federal insurance agency. This means that if Members First Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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 Starting at $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:

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

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 Starting at $1
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0%

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