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  Members First Credit Union Youth Checking

Members First Credit Union Youth Checking

in Checking Accounts from Members First Credit Union · Member ncua

Unaffiliated

Members First Credit Union Youth Checking

Unaffiliated

in Checking Accounts from Members First Credit Union · Member NCUSIF

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Members First Credit Union Youth Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, Members First Credit Union Youth Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. Members First Credit Union Youth Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union.
Members First Credit Union Youth Checking Pros & Cons
Pros Cons
  • Deposits are insured by the NCUA (up to $250K).
  • 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
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
Members First Credit Union Youth 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 person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Youth Checking offer?

Members First Credit Union Youth Checking is not an interest-bearing account.

What are the account minimums for Members First Credit Union Youth Checking?

Members First Credit Union Youth Checking requires a minimum initial deposit of $25 to open an account.

Members First Credit Union Youth Checking Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does Members First Credit Union Youth Checking charge?

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

Members First Credit Union Youth Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $15
Monthly Fee $0
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 $0

Does Members First Credit Union Youth Checking charge overdraft fees?

Yes, Members First Credit Union Youth Checking charges a $27 fee for every overdraft.

Members First Credit Union Youth Checking offers overdraft protection at a cost of $27 per transaction.

What features and perks does Members First Credit Union Youth Checking offer?

This account includes the following features:

  • Fraud monitoring - Members First Credit Union Youth 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 Youth 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.
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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.

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Monthly Fee $0
ATM Fee: Out-of-Network $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
Bank Account Features
  • No ATM Fees
  • Branch Access
  • NCUA Member
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
  • Teen Checking Account

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