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

Members First Credit Union Utah Fresh Start Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
(Verified 07/20/2022)
Minimum Balance to Avoid Monthly Fee N/A

Members First Credit Union Utah Fresh Start Checking Review

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

Key Takeaways

  • 0% APY. As with most checking accounts, Members First Credit Union Utah Fresh Start Checking does not pay interest.
  • Bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union - Utah.

Members First Credit Union Utah 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.

Members First Credit Union Utah fresh start checking FAQ

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

Yes, your Members First Credit Union - Utah 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 Utah fresh start checking offer?

Members First Credit Union Utah fresh start checking is not an interest-bearing account.

What are the account minimums for Members First Credit Union Utah fresh start checking?

Members First Credit Union Utah fresh start checking requires a minimum initial deposit of $25 to open an account.

Members First Credit Union Utah Fresh Start Checking Minimums
Description
Minimum Opening Deposit $25
Minimum Balance to Earn APY $0

What fees does Members First Credit Union Utah fresh start checking charge?

This account charges a monthly service fee of $0.

Members First Credit Union Utah Fresh Start Checking 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 First Credit Union Utah fresh start checking charge overdraft fees?

Yes, Members First Credit Union Utah fresh start checking charges a $25 fee for every overdraft.

What features and perks does Members First Credit Union Utah fresh start checking offer?

This account includes the following features:

  • Fraud monitoring - Members First Credit Union Utah 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 Utah 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 Utah fresh start checking?

The customer support email for Members First Credit Union Utah fresh start checking is webmaster@memfirstcu.com.

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Message From Members First Credit Union Utah fresh start checking

Fresh Start Checking is the perfect second chance opportunity for members who have had less than perfect checking history and want a fresh start. Members First Credit Union makes it easy to get started again.

Availability

  Available in 1 state
Utah
Availabile in all of Utah

Feature Breakdown

Minimum Opening Deposit $25
Minimum Balance to Earn APY $0
Monthly Fee $0
(Verified 07/20/2022)
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
  • 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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