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  Members 1st CU Texas 50 Plus Checking
Members 1st CU Texas 50 Plus Checking Unaffiliated

Members 1st CU Texas 50 Plus Checking

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

Members 1st CU Texas 50 Plus Checking Review

Members 1st CU Texas 50 Plus Checking is offered by Members First Credit Union - Texas, a credit union founded in 1938 and based in Corpus Christi, TX. Members 1st CU Texas 50 Plus Checking is available in 1 state across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, Members 1st CU Texas 50 Plus Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.

Members 1st CU Texas 50 Plus 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
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.

Members 1st CU Texas 50 Plus Checking FAQ

Are checking accounts from Members First Credit Union - Texas federally insured?

Yes, your Members First Credit Union - Texas 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 1st CU Texas 50 Plus Checking offer?

Members 1st CU Texas 50 Plus Checking is not an interest-bearing account.

What are the account minimums for Members 1st CU Texas 50 Plus Checking?

Members 1st CU Texas 50 Plus Checking requires a minimum initial deposit of $25 to open an account.

Members 1st CU Texas 50 Plus Checking Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

What fees does Members 1st CU Texas 50 Plus Checking charge?

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

Members 1st CU Texas 50 Plus Checking Fees
Description
Monthly Fee $0
ATM Fee: In-Network $1
ATM Fee: Out-of-Network Starting at $1
NSF Fee $25
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $2
Returned Deposit Fee (Domestic) $2
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $35
Paper Statement Fee $2
Online Bill Pay Fee $4.95
Check Copy $3
Check Cashing Fee $3
Debit Card Replacement Fee $5
Early Account Closure $15

Does Members 1st CU Texas 50 Plus Checking charge overdraft fees?

Yes, Members 1st CU Texas 50 Plus Checking charges a $25 fee for every overdraft.

Members 1st CU Texas 50 Plus Checking offers overdraft protection at a cost of $2 per transaction.

What features and perks does Members 1st CU Texas 50 Plus Checking offer?

This account includes the following features:

  • Fraud monitoring - Members 1st CU Texas 50 Plus 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.
  • Mobile Banking Services - Members 1st CU Texas 50 Plus 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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Members 1st CU Texas 50 Plus Checking?

The customer support email for Members 1st CU Texas 50 Plus Checking is info@m1st.org.

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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 - Texas

Getting older doesn’t have to be a bad thing especially if you get free stuff with great service! Our 50 plus account is for members age 50 and over. Besides the benefits of our regular checking account, 50 Plus members also receive tons of free stuff with this account! 

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $1
ATM Fee: Out-of-Network Starting at $1
NSF Fee $25
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $2
Returned Deposit Fee (Domestic) $2
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $35
Paper Statement Fee $2
Online Bill Pay Fee $4.95
Check Copy $3
Check Cashing Fee $3
Debit Card Replacement Fee $5
Early Account Closure $15
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • 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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