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Flex Checking is an easy and affordable account that helps you save more, spend less, and more easily manage your money. We don’t charge monthly or annual account fees, nor do we require a minimum balance amount or minimum number of transactions each. Your account is 100% free, with no hoops to jump through.
Earn 3% APY on our Emergency
Savings when you bundle and save
Good to Know
Get Paid Early
Start celebrating your payday up to two days early when you setup direct deposit with your Flex Checking Account1. Members 1st delivers your early payday by making your money available as soon as your employer deposits it – which is often up to two days before most other banks make the funds available to you.
How to get Paid Early
- Download and fill out the Members 1st Direct Deposit Form.
- Deliver the completed form to your employer's Human Resources or payroll department.
- Await the delivery of your first early paycheck, it's that easy.
1 Faster access to funds is based on a comparison of traditional banking policies versus Members 1st Credit Union’s policy of releasing paychecks as soon as they’re received from an employer. Additional speed may be attributed to electronic deposits versus paper check deposits. Direct Deposit and earlier availability of funds are subject to timing of payer’s funding.
No Fees, No Minimums
No hoops to jump throughNo Monthly Maintenance Fees
No Minimum Balances
No Minimum Transactions
Debit Card & ATMs
Contactless
Contactless purchasing allows you to quickly, look, tap, and go for fast and secure payments.
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EMV
Equipped with an EMV chip technology for tokenized payments, reducing fraud on your card purchases.
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30k ATMs
Access more than 30,000 surcharge free ATMs nationwide with the CO-OP ATM Network.
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Mobile Wallet
Make purchases from your phone with Apple Pay, Google Pay, and Samsung Pay.
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Visa Zero Liability
Make purchases anywhere and you’re protected from unauthorized use of your card.
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More locations
Purchase with confidence at millions of locations nationwide, where Visa is accepted.
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Access 30,000+ ATMs
Nationwide access to surcharge free ATMsATM Network Comparison
Febuary 2022 comparison based on claims located at bankofamerica.com, chase.com, wellsfargo.com, usbank.com, and usbanklocations.com
Members 1st and CO-OP ATMs
Members 1st has partnered with the CO-OP ATM Network to bring you nearly 30,000 surcharge free ATMs to use across the U.S. and some international locations. Withdraw funds from any of these ATMs without paying a fee.
Save Faster When You Add Stash
Turn your small change into a big deal when you enroll in Stash. Round up your debit card purchases to the next dollar to be added into your Members 1st savings, auxiliary savings, holiday savings, emergency savings, mem-bear savings, or money market account.
Learn MoreHow to Open an Account
Opening an account is easy and we’re here to help if you need it.Apply Online or at a Branch
It takes just minutes to open your account from either location.
Add Funds
Deposit money into your account so you can start using it.
Manage Your Account
Enroll in digital banking so you can easily manage your account.
What are Members saying?
Resources
Learn to Budget with Members 1st!
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Open your Flex Checking Account today in just a few minutes. Get Started
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