Monthly fee

$6.95

−$83 a year for an everyday customer: fees and interest, $2,000 kept.

Members 1ST · Checking account

Members 1ST 1st Defense checking

−$83 a year for an everyday customer. $6.95 a month. No minimum to open.

Checked Nov 8, 2026Updated

A year, everyday customer
−$83
Monthly fee
To open

Against the market

How it ranks

#780of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Debit card
  • Joint accounts
  • No minimum balance
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
$6.95 a monthmembers1st.org, checked Nov 8, 2026
Minimum to open
Nonemembers1st.org, checked Nov 8, 2026
Overdraft fee
$20members1st.org, checked Nov 8, 2026
Returned item (NSF) fee
$20members1st.org, checked Nov 8, 2026
Most overdraft fees in a day
6members1st.org, checked Nov 8, 2026
Out-of-network ATM fee
$1.50members1st.org, checked Nov 8, 2026
Incoming domestic wire
$10members1st.org, checked Nov 8, 2026
Outgoing domestic wire
$30members1st.org, checked Nov 8, 2026
Outgoing international wire
$40members1st.org, checked Nov 8, 2026
Paper statements
$2 a monthmembers1st.org, checked Nov 8, 2026
Cashier’s check
$5members1st.org, checked Nov 8, 2026
Stop payment
$30members1st.org, checked Nov 8, 2026
Card replacement
$5members1st.org, checked Nov 8, 2026

Who can open it

Minimum age
13members1st.org, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on members1st.org

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