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  MembersFirst Credit Union Fresh Start Checking

MembersFirst Credit Union Fresh Start Checking

in Checking Accounts from MembersFirst Credit Union · Member ncua

Unaffiliated

MembersFirst Credit Union Fresh Start Checking

Unaffiliated

in Checking Accounts from MembersFirst Credit Union · Member NCUSIF

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Highlights
Monthly Fee $10
ATM Fee: Out-of-Network $1.75
Minimum Balance to Avoid Monthly Fee $300
APY (Annual Percentage Yield) 0%

MembersFirst Credit Union Fresh Start Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, MembersFirst Credit Union Fresh Start Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of $10, but the fee is waived if you keep a minimum balance of $300.
  • Hard credit pull. MembersFirst Credit Union may require a hard pull on your credit report to open a checking account.
MembersFirst Credit Union Fresh Start 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
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
MembersFirst Credit Union Fresh Start 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 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 MembersFirst Credit Union Fresh Start Checking offer?

MembersFirst Credit Union Fresh Start Checking is not an interest-bearing account.

What are the account minimums for MembersFirst Credit Union Fresh Start Checking?

MembersFirst Credit Union Fresh Start Checking Account Minimums
Description Amount
Minimum Opening Deposit $
Minimum Balance to Avoid Monthly Service Fee $300

What fees does MembersFirst Credit Union Fresh Start Checking charge?

This account charges a monthly service fee of $10.

MembersFirst Credit Union Fresh Start Checking Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $5
Debit Card Replacement Fee $10
Early Account Closure $20
Monthly Fee $10
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $7
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 Fresh Start Checking charge overdraft fees?

Yes, MembersFirst Credit Union Fresh Start Checking charges a $33 fee for every overdraft fee.

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

What features and perks does MembersFirst Credit Union Fresh Start Checking offer?

This account includes the following features:

  • Fraud monitoring - MembersFirst Credit Union Fresh Start 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.
  • Mobile Banking Services - MembersFirst Credit Union 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
Georgia
Availabile in all of Georgia

Feature Breakdown

APY Minimum Balance $0
Minimum Balance to Avoid Monthly Fee $300
ATM Fee: In-Network $0
Check Cashing Fee $5
Debit Card Replacement Fee $10
Early Account Closure $20
Monthly Fee $10
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $7
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
Bank Account Features
  • Branch Access
  • NCUA Member
  • Debit Card
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Mobile Check Deposit

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