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Flex Checking

Truly Free Checking

No fees or minimums

Apply Now

Flex Checking

Truly Free Checking

No fees or minimums

Apply Now
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.

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Earn 3% APY on our Emergency
Savings when you bundle and save


When you open a new Flex Checking account with direct deposit.*
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*Click for terms.

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

  1. Download and fill out the Members 1st Direct Deposit Form.
  2. Deliver the completed form to your employer's Human Resources or payroll department.
  3. 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.

A man super excited about getting paid early

No Fees, No Minimums

No hoops to jump through

No Monthly Maintenance Fees

No Minimum Balances

No Minimum Transactions

Debit Card & ATMs

Members 1st Debit Card


Contactless purchasing allows you to quickly, look, tap, and go for fast and secure payments.
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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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Members 1st Debit Card

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 ATMs

ATM Network Comparison

Febuary 2022 comparison based on claims located at,,,, and

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.

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How 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?

I joined members first 6 years ago after a bad experience with another bank and I have never had a problem. I recommend them to anyone looking to open an account, their customer service is always great.

I have been with Members 1st, since 1998. I have never had a bad experience with them. Everyone has always been helpful and polite anytime I have gone inside.

Fran J.

I’m not going to lie; my direct deposit pays me a day earlier at Member’s 1st.

Melody F.

I've banked with different banks and they say the right things to reel you in and then don't follow through. But Members 1st has been nothing but helpful and kind. They helped me understand credit and gave some very helpful advice.…Thank you for everything you do!

Patricia R.

We have been with Members 1st. for years and love the friendly customer service, convenient locations and remote deposit!! So thankful for the personal loan when we were adopting our beautiful daughter. Couldn't have done it without Members 1st. Thank you!

Donna W.

Our family has banked with Members 1st for many, many years. Customer service is #1. Love the smaller town vibe. You know your customers and that rates high in my book.

Trece T.

Members 1st has my car loan and personal loan as they believe and support their community members. Thank you for being there and for your great customer service!!!

Heather H.

I've banked with Members 1st for many many years & have never had any problems! Love the online banking options!

Andrea A.


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Open your Flex Checking Account today in just a few minutes. Get Started

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