Rewards Checking

Get the account that Rewards you the most!

Get the free checking account that rewards you the most. There are no monthly service charges or minimum balance requirements to earn rewards. You can even get ATM fee refunds nationwide!

Each monthly cycle in which you qualify, you'll receive these outstanding rewards. And if for some reason you don't qualify one cycle, you can always get the rewards the following cycle you qualify! It's easy!

Why is it so Rewarding?*

  • 1.50% APY on balances up to $25,000
  • 1.50% to 0.38% APY on balances over $25,000 depending on balance in account
  • 0.05% APY base rate if qualifications aren't met
  • Nationwide ATM fee refunds up to $25 each month you qualify
  • It's a free account! No monthly service charges or minimum balance required to earn rewards
  • 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

As an added bonus.....

You're eligible to open our new Rewards Saver Account, which is a high-dividend savings solution! For each  month that you meet the qualifications in your Rewards Checking account, your Saver account will earn 0.50% APY*** on balances up to $25,000. Plus, your Rewards will automatically transfer into your Saver, making it easier to save!

How do I qualify?

  • Have at least 12 debit card purchases post and settle to the account (may be 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

Apply Now for your Rewards Checking Account!

The Fine Print
*See rate sheet for complete details.

** 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.

*** To be eligible for a Saver Account, you must open a Rewards Checking account. If qualifications in Rewards Checking are met each monthly qualification cycle: (1) balances up to $25,000 in SAVER receive an APY of 0.50%; and (2) balances over $25,000 in SAVER earn 0.10% interest rate on portion of balance over $25,000, resulting in 0.50% - 0.18% APY depending on the balance. If qualifications are not met in Rewards Checking, all balances in the SAVER account will earn 0.05% APY.

Go Mobile

Go Mobile

With Mobile Banking, you can access your account from anywhere, at anytime!Learn More!
Shared Branching

Shared Branching

As our member, you can access your accounts at convenient locations nationwide!LEARN MORE!