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  Members 1st CU Utah Checking Share Draft
Members 1st CU Utah Checking Share Draft Unaffiliated

Members 1st CU Utah Checking Share Draft

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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 Utah Checking Share Draft Review

Members 1st CU Utah Checking Share Draft is offered by Members First Credit Union - Utah, a credit union founded in 1958 and based in Brigham, UT. Members 1st CU Utah Checking Share Draft are available in 1 state across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, Members 1st CU Utah Checking Share Draft does not pay interest.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • Bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union - Utah.

Members 1st CU Utah Checking Share Draft 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.

Members 1st CU Utah Checking Share Draft FAQ

Are checking accounts from Members First Credit Union - Utah 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 1st CU Utah Checking Share Draft offer?

Members 1st CU Utah Checking Share Draft is not an interest-bearing account.

What are the account minimums for Members 1st CU Utah Checking Share Draft?

Members 1st CU Utah Checking Share Draft does not require a minimum initial deposit.

Members 1st CU Utah Checking Share Draft Minimums
Description
Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

What fees does Members 1st CU Utah Checking Share Draft charge?

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

Members 1st CU Utah Checking Share Draft Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
NSF Fee $25
Overdraft Item Fee $25
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $35
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $10
Early Account Closure $5

Does Members 1st CU Utah Checking Share Draft charge overdraft fees?

Yes, Members 1st CU Utah Checking Share Draft charges a $25 fee for every overdraft.

What features and perks does Members 1st CU Utah Checking Share Draft offer?

This account includes the following features:

  • Fraud monitoring - Members 1st CU Utah Checking Share Draft 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 1st CU Utah Checking Share Draft 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 1st CU Utah Checking Share Draft?

The customer support email for Members 1st CU Utah Checking Share Draft is webmaster@memfirstcu.com.

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Message From Members 1st CU Utah Checking Share Draft

Our Checking (Share Draft) accounts make managing your money easy. Developed with your needs in mind, our free checking account offers a wide variety of valuable features and benefits. No monthly maintenance or per check fees, No minimum balance requirements, Free VISA® debit card, Free Bill Pay, Optional overdraft protection, Ability to have a 2nd Checking Account.

Availability

  Available in 1 state
Utah
Availabile in all of Utah

Feature Breakdown

Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $0
NSF Fee $25
Overdraft Item Fee $25
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $35
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $10
Early Account Closure $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Negative Balance Lookback Period 0 years
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • 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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