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Consumer Checking

Defending your wallet with free checking that pays you back? It's what we do.

At Members First, we're like tiny cash flow guardians - here to save the day! We're small enough to get to know you, which lets us make a big difference in your finances.

There is no monthly service fee and no minimum balance requirement with any of our checking accounts.


How can we make a difference for you today?


Why a Checking Account at Members First?

  • First Pay. Get paid up to two days before your co-workers!*
  • Kasasa Protect™ fraud protection available
  • Kasasa Saver® available to Kasasa account holders
  • Free MasterCard® Debit Card
  • Free Online Banking
  • Free Mobile Banking
  • Free Bill Payer
  • Free eStatements
  • Free Telephone Banking
  • 30,000 surcharge-free ATMs via the CO-OP Network
  • 5,000 branch locations across the country via CO-OP Shared Branch Network
  • Online Check Reordering
  • Overdraft Services

Earn really high dividends.

Open an Account

Free Kasasa Cash® checking rewards you just for banking with us. Earn up to 2.50% APY* every month for doing simple things you're probably doing anyway, like using your debit card.

You'll also get refunds on ATM withdrawal fees* nationwide, so every ATM is your ATM at any of our branch locations or thousands of surcharge-free ATMs in the CO-OP Shared Branching Network. Link your account to a free Kasasa Saver® to make saving easy.

Why Kasasa Cash at Members First?

  • Free checking that pays high dividends
  • 2.50% APY* on balances up to $25,000
  • 2.50% to 0.58% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* base rate if qualifications aren't met
  • Refunds on ATM withdrawal fees nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking and bill payer
  • Free mobile banking
  • Free eStatements
  • Free MasterCard® debit card
  • Free telephone banking
  • Kasasa Protect™ fraud protection available
  • $25 minimum deposit to open

It's easy to earn rewards.

You also must be enrolled in and agree to receive eStatements and all of the following transactions and activities must post and settle to your Kasasa Cash account during each monthly qualification cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases

And if you don't meet these qualifications, don't worry -- your account is still free.

Plus, you'll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.


*See Deposit Rates for complete details. Kasasa, Kasasa Cash, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.

Get paid to go shopping.

Open an Account

Make shopping more rewarding with Kasasa CashBack® -- free checking that pays 2.00% cash back on your everyday debit card purchases, up to $120 back per year ($10 per month).*

You'll also get refunds on ATM withdrawal fees* nationwide, so you can get to your money when and where you need it. Link your account to a free Kasasa Saver® to make saving simple and easy.

Why Kasasa CashBack at Members First?

  • Free checking that pays you back
  • 2.00% cash back on debit card purchases* (no category restrictions on purchases, earn cash back on up to $500 in purchases monthly, earn up to $120 cash back per year/$10 per month)
  • Refunds on ATM withdrawal fees nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking and bill payer
  • Free mobile banking
  • Free eStatements
  • Free MasterCard® debit card
  • Free telephone banking
  • Kasasa Protect™ fraud protection available
  • $25 minimum deposit to open

It's easy to earn rewards.

You also must be enrolled in and agree to receive eStatements and all of the following transactions and activities must post and settle to your Kasasa CashBack account during each monthly qualification cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases

And if you don't meet these qualifications, don't worry -- your account is still free.

And you can get right back to earning your cash rewards the very next cycle that you qualify.


*See Deposit Rates for complete details. Kasasa, Kasasa CashBack, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.

Simple and basic.

Open an Account

This basic account and the free services that are available are all you need to make handling your finances simple and convenient.

Like all of our checking accounts, there is no monthly service fee or minimum balance requirement with Everyday Checking. However, this account does not earn dividends or rewards.

Why Everyday Checking at Members First?

  • No minimum balance
  • No monthly maintenance fee
  • Free online banking and bill payer
  • Free mobile banking
  • Free eStatements
  • Free MasterCard® debit card
  • Free telephone banking
  • Kasasa Protect™ fraud protection available
  • $25 minimum deposit to open

Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


*To qualify for First Pay you must have direct deposit into your Members First Credit Union checking account and be a member in good standing. First Pay offers immediate credit of your direct deposit to your Members First account up to two (2) days early based upon when we receive your payroll from your employer or payroll company. As the deposit is based upon when we receive the funds, Members First cannot assume any liability for not depositing these funds to your account early. This offer is subject to change without notice.