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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

Not enough votes for recommendation

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 maintenance fee.
$25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
No ATM fees. Members First Credit Union Youth Checking does not charge fees on ATM transactions.
Free bill pay. Pay your bills to practically anyone in the United States through Members First Credit Union.
Hard credit pull. Members First Credit Union may require a hard pull on your credit report to open a checking account.

Members First Credit Union Youth Checking Pros & Cons

Pros	Cons
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 Initial 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
Monthly Fee	$0
Paper Statement Fee	$3
ATM Fee: In-Network	$0
ATM Fee: Out-of-Network	$0
NSF Fee	$27
Overdraft Protection Fee (per transfer)	$27
Overdraft Item Fee	$27
Early Account Closure	$15
Returned Deposit Fee (Domestic)	$15
Debit Card Replacement Fee	$5
Bank Teller Fee	N/A
Check Cashing Fee	N/A
Online Bill Pay Fee	N/A
Stop Payment Fee	$27
Check Image Service	N/A
Check Copy	N/A
Foreign Transaction Fee (Debit Card)	N/A
Wire Transfer Fee - Domestic (Outgoing)	$25
Wire Transfer Fee - International (Outgoing)	$50
Wire Transfer Fee - International (Incoming)	$50
Returned Deposit Fee (International)	$15
Wire Transfer Fee - Domestic (Incoming)	$25
ATM Reimbursement Monthly Limit	N/A

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 fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - 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. This includes depositing checks in your account with 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.