Introducing Our Big Difference Accounts

Solutions designed to move you and your finances forward!

We know it’s often the little things that make the biggest difference. That’s why we've introduced a new set of accounts to thank you in a big way for all of the little things you do each month. Like using your debit card, receiving direct deposit, paying bills online, and receiving eStatements. If you’re the sort of person who likes to do things the “green” way, our new accounts will not only be a natural fit, but they’ll also work to spare you unnecessary trips to the bank and expand your wallet. As a result, you’ll have more time and money to invest in what really matters most: making memories with your friends and family.


CashBack Checking - Earn cash back on debit card purchases when you qualify.

Rewards Checking - Earn higher dividends on balances up to $25,000 when you qualify.

Saver Account - When you qualify in either your CashBack or Rewards Checking, your checking rewards will automatically sweep into your Saver Account.*

Plus, with each checking account, when you qualify, you'll also receive:
  • Nationwide ATM fee refunds up to $25 each month
  • It's a free account! No monthly service charge or minimum balance requirement to earn cash back
  • First Pay. Get paid up to two days before your co-workers!**
  • Free debit card
  • Free Online Banking, Bill Payer, and Mobile Banking
  • Free Telephone Banking
  • Free ATMs nationwide via the CO-OP Network
  • Access to the CO-OP Shared Branching Network
  • Direct Deposit available
  • ACH Origination Services
  • NCUA insured

How Do I Qualify?

  • Have at least 12 debit card purchases post and settle to the account (PIN or signature-based; ATM withdrawals do not qualify)
  • Have at least one direct deposit or ACH auto debit post and settle to your Rewards Checking Account
  • Be enrolled in and receive our free, paperless eStatements

What If I Don't Qualify One Month?

There are NO penalties if you don't qualify. Your account will remain free when you don't qualify and you can try again the next month!


The Fine Print

*Saver Account - To be eligible for a Saver Account, you must open either a Rewards or CashBack Checking account.

**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.