Online Banking

Checking Accounts

Your checking account should be helping you get ahead, not holding you back. Members First keeps things simple while providing lots of convenient services, without the added fees.

Convenience Checking

  • No Minimum Balance
  • No Monthly Service Fee
  • Free Online Banking/Mobile App Access
  • Free Bill Pay/Picture Pay
  • Free Mobile Check Deposit
  • MasterCard Debit Card
  • Online Check Reorder
  • Free e-Statements

Learn more about designing your own MasterCard Debit card here!

Simple Checking: We’ll give you a second chance!

Do you have a closure with another financial institution? Are you having a hard time getting approved for an account to deposit your paycheck? Then our Simple Checking is your second chance!

Simple checking members can use their debit card just like a prepaid card. Transfer money easily and conveniently online or with our mobile app from savings to checking.

Design & Personalize your MasterCard Debit cards here!

Overdraft Protection Options

Designed to save you time and returned items, overdraft protection gives you a little extra flexibility when using your Members First Credit Union checking account. When you write a check, use your debit card or authorize a payment from your account and don’t have the funds to cover it, we will cover it for you.

Option 1: Transfer from your Savings Account

  • If you fall short on funds in your checking account, we will check your savings account to see if we can clear the transaction, for a small transfer fee of $3.00.
  • Use any savings or checking account with Members First Credit Union to cover overdrafts.

Option 2: Courtesy Pay

We understand how easy it is to make an error in your checking account and to have unexpected emergencies come up, which is why we offer Courtesy Pay!
  • First, you will be pre-approved for a courtesy pay limit based on your relationship with Members First Credit Union.
  • Courtesy pay will pay your debit card transactions, checks you’ve written, and ACH items, when you are running low on funds.
  • Major Benefit! Your item is paid and not returned. Many merchants charge a returned item fee, along with the financial institution returned item fee. With courtesy pay, your item is paid, and you are charged a one-time per usage fee of $25.00.
  • Direct Deposit is required for approval.

How do I Opt-In?

Sign and Date our Courtesy Pay Opt-In Form: Download Courtesy Pay Form

  • Email us @
  • Mail to: 3401 W Beltline Hwy. Madison, WI 53713
  • Fax: 680-271-5322

Option 3: Kwik-Cash Line of Credit

This is an unsecured open line of credit with limits up to $5000. You may use this line of credit as an overdraft protection option when funds are limited in the checking account.

Learn more


  • To get the iPhone App click here.
  • To get the Andriod App click here.
  • Or visit the App store on your mobile device and search: "Members 1st WI".