Member Checking Account Application

Applicant Information

First Name *

Last Name *

Account Number *

Phone Number *

Email *

Address *

If your existing membership has a joint owner, please complete the following:

Joint Applicant Name

Email

Phone Number

Address (if different than primary applicant)

Checking Account Options

YIELD 1st Checking - Earn 7% APY* on balances up to $5,000!

To qualify for the yield at month-end, utilize free eStatements, log into online banking, have 20+ debit or credit card purchases, and ACH deposits of $500+ per month! No penalty/fees if you don’t qualify for reward.

USE 1st Checking - 1% cashback on debit card purchases, up to $10/mo.

To qualify for the cashback at month-end, utilize free eStatements, log into online banking, have 20+ debit card purchases, and ACH deposits of $500+ per month! No penalty/fees if you don’t qualify for reward.

Please Choose your preferred checking account: *

YIELD 1st Checking

USE 1st Checking

Maximum of one Rewards (dividend/cashback) Checking Account per individual. These are offered to those that qualify. Not all will be eligible. Other options may be available to those that do not qualify.

*APY = Annual Percentage Yield. Rate as of 10/1/2025. 0.10% APY on balance above $5,000. Rate subject to change.

Request a Debit Card

Check here to request a debit card.

Courtesy Pay Coverage

You may be eligible for Courtesy Pay.

An overdraft occurs when a member does not have enough money in their account to cover a transaction. Courtesy Pay is a service that allows the credit union to pay an item presented for payment against your checking account, even if it causes the account to become overdrawn. Label

Under our standard overdraft practices, the following fees will be charged if MEMBERS1st pays your overdraft:

We will charge you a fee of up to $25 each time we pay an overdraft.
We will limit the number of fees we charge you to four fees per day for overdrawing your account.

You may opt out of the Courtesy Pay service for everyday debit card transactions.

Please select the Courtesy Pay options you wish to apply to your account. Only select one option from the list.

Your choice will go into effect 60 days after your account has been opened.

Please select only one option: *

I do NOT want any Courtesy Pay coverage on my account. I understand the credit union will return any overdrafts unpaid that I/we may authorize. I understand that I/we will be charged an overdraft fee as well as possible fees imposed by merchants and collection agencies.

I would like Courtesy Pay coverage on my account for items resulting in an overdraft including everyday debit card transactions, automatic bill payments, checks and other items using my credit union account number.

Consent for QualiFile

By clicking Accept, I authorize MEMBERS1st Community Credit Union to obtain information about my consumer banking history through a QualiFile risk assessment or ChexSystems report. I understand that MEMBERS1st Community Credit Union may contact me for additional information.

submitting this application electronically, I agree to the same terms that apply to a signed application. If there is a co-applicant on this application, that co-applicant has authorized the submission of this application. This electronic submission qualifies as my signature. I understand that I/we may have to sign additional documents prior to opening a checking account.

Do you authorize MEMBERS1st Community Credit Union to obtain your consumer banking history information through QualiFile?

Check Here to Accept: *

I Consent for QualiFile

Primary Name (Signature) *

Joint Signature (if applicable)

Thank you for submitting a checking account application. We look forward to assisting you.