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  MembersFirst Credit Union Direct Deposit Checking

MembersFirst Credit Union Direct Deposit Checking

in Checking Accounts from MembersFirst Credit Union · ncua

Unaffiliated

MembersFirst Credit Union Direct Deposit Checking

Unaffiliated

in Checking Accounts from MembersFirst Credit Union · Insured by NCUA

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.75
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.03%

MembersFirst Credit Union Direct Deposit Checking Review

MembersFirst Credit Union Direct Deposit Checking is offered by MembersFirst Credit Union, a credit union founded in 1953 and based in Decatur, GA. MembersFirst Credit Union Direct Deposit Checking is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.03%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Bill pay. Pay your bills to practically anyone in the United States through MembersFirst Credit Union.
MembersFirst Credit Union Direct Deposit Checking Pros & Cons
Pros Cons
  • Dividend-yielding account
  • 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 provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
MembersFirst Credit Union Direct Deposit Checking FAQ

Are checking accounts from MembersFirst Credit Union federally insured?

Yes, your MembersFirst Credit Union 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 MembersFirst Credit Union Direct Deposit Checking offer?

MembersFirst Credit Union Direct Deposit Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.03%

MembersFirst Credit Union Direct Deposit Checking offers an APY of 0.03% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $1000.

What are the account minimums for MembersFirst Credit Union Direct Deposit Checking?

MembersFirst Credit Union Direct Deposit Checking requires a minimum initial deposit of $25 to open an account.

MembersFirst Credit Union Direct Deposit Checking Minimums
Description
APY Minimum Balance $1,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does MembersFirst Credit Union Direct Deposit Checking charge?

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

MembersFirst Credit Union Direct Deposit Checking Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $5
Debit Card Replacement Fee $10
Early Account Closure $20
Monthly Fee $0
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $7
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $60
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $1.75

Does MembersFirst Credit Union Direct Deposit Checking charge overdraft fees?

Yes, MembersFirst Credit Union Direct Deposit Checking charges a $33 fee for every overdraft.

MembersFirst Credit Union Direct Deposit Checking offers overdraft protection at a cost of $7 per transaction.

What features and perks does MembersFirst Credit Union Direct Deposit Checking offer?

This account includes the following features:

  • Fraud monitoring - MembersFirst Credit Union Direct Deposit 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 - MembersFirst Credit Union Direct Deposit 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 MembersFirst Credit Union Direct Deposit Checking?

The customer support email for MembersFirst Credit Union Direct Deposit Checking is feedback@membersfirstga.com.

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Message From MembersFirst Credit Union Direct Deposit Checking

We believe in offering checking accounts that meet our members’ needs. We know that some members want a basic account to receive and make payments, while others would like to earn a competitive interest rate on their balance. Choose a Checking Account that’s right for you!

If you’re always on the go and need a hassle-free way to get your deposits and access your money, a Direct Deposit Checking account is the solution for you. When you have your pay check, social security or retirement checks automatically deposited into your checking account each pay period, enjoy these benefits: No minimum balance requirements, Earn interest on average daily balances of $1000 and more, Overdraft Privilege available.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:30pm
  • Tuesday 9:00am - 4:30pm
  • Wednesday 10:00am - 4:30pm
  • Thursday 9:00am - 4:30pm
  • Friday 9:00am - 4:30pm
  • Saturday 9:00am - 1:00pm

Other Services by MembersFirst Credit Union

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Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

APY Minimum Balance $1,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Check Cashing Fee $5
Debit Card Replacement Fee $10
Early Account Closure $20
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $7
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $60
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $1.75
Account Features
  • Branch Access
  • Insured by NCUA
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.03%

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