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.
- A year, everyday customer
- −$83
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · members1st.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · members1st.org
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#780of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- 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