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  Members First Credit Union Simply Free Checking

Members First Credit Union Simply Free Checking

in Checking Accounts from Members First Credit Union · ncua

Unaffiliated

Members First Credit Union Simply Free Checking

Unaffiliated

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

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0%

Members First Credit Union Simply Free Checking Review

Members First Credit Union Simply Free Checking is offered by Members First Credit Union, a credit union founded in 1936 and based in Midland, MI. Members First Credit Union Simply Free Checking is available in 1 state across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, Members First Credit Union Simply Free Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. Members First Credit Union Simply Free Checking does not charge fees on ATM transactions within its network but there is a fee of up to $1 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union.
Members First Credit Union simply free 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.
  • Charges a fee on out-of-network ATM transactions.
Members First Credit Union simply free 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 simply free checking offer?

Members First Credit Union simply free checking is not an interest-bearing account.

What are the account minimums for Members First Credit Union simply free checking?

Members First Credit Union simply free checking requires a minimum initial deposit of $25 to open an account.

Members First Credit Union Simply Free Checking Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Members First Credit Union simply free checking charge?

The good news is that this account does not have a monthly Service Charge.

Members First Credit Union Simply Free Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $15
Monthly Fee $0
NSF Fee $27
Online Bill Pay Fee $0
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 simply free checking charge overdraft fees?

Yes, Members First Credit Union simply free checking charges a $27 fee for every overdraft.

Members First Credit Union simply free checking offers overdraft protection at a cost of $27 per transaction.

What features and perks does Members First Credit Union simply free checking offer?

This account includes the following features:

  • Fraud monitoring - Members First Credit Union simply free 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 simply free 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 simply free checking?

The customer support email for Members First Credit Union simply free checking is mail@mfcu.net.

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Message From Members First Credit Union Simply Free 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.

This is a completely free checking account with no monthly balance requirements and no monthly service charges.

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $15
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
  • No ATM Fees
  • Branch Access
  • Insured by NCUA
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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