What is the routing number of the Credit Union?
The routing number for Members 1st Credit Union is 321174738.
How do I sign up for online account access?
You can sign up for online account access by visiting your local branch, or you may sign up on our web page.
Click Here to enroll. Top
What do I do if I receive a message that my account is disabled?
An account is usually disabled because the wrong password has been entered more than three times. You will need to contact a representative of the credit union to re-activate your account. Click Here to contact us. Top
How can I print only the account history without the graphics from website being shown?
Use the print preview link in the left column to print account history data only. Top
How do I view and print a copy of my check?
Select the share draft history and choose the check number desired. An image preview window will open showing a picture of the check. Printing is available via a small printer icon at the bottom of the image preview window. Top
When do I receive my member statements?
Active checking and loan accounts receive their member statement monthly. Savings only accounts receive their statements quarterly. Top
How long are check holds?
To help reduce check fraud, scams and identity theft, Members 1st Credit Union places holds on all check deposits made at ATMs or through Remote Check Deposit. Standard holds last for 24 hours beginning at 11pm each business day evening. Extended holds can be placed on deposits from 2-7 days whereupon a member is notified through the mail. 100% of funds are released on the expiration of a hold. Business days are Monday through Friday and exclude Saturday, Sunday, and all federal holidays. For example, if a member deposits a $100 check at an ATM or via Remote Check Deposit on Monday at 5pm, the funds will not be available until Tuesday at 11pm. If a member deposits the same $100 check on Friday at 5pm, the funds will not be available until Monday at 11pm. Top
What is an E-statement?
An E-statement is a print out of your regular statement or VISA statement in a digital format. Your e-statement will be availble in online banking for viewing. You will receive an email when your e-statement is available for viewing. Top
How do I sign up for E-statements? You can visit your local branch, or you can sign up on our web site. Click Here to enroll. Top
What is required to sign up for E-statements? You must be enrolled in online banking. Click Here to sign up for online banking. Top
Do I need certain software to view my E-statement? You will need the free Adobe Acrobat Reader program in order to view your E-statement. Click Here to download Adobe Acrobat Reader. Top
How do I save my E-statement? Once you have opened your E-statement in online banking, go to File and select "Save As". You will be asked where you would like to save the file. Please select the location on your computer and then click the Save button. Top
How can I tell if my personal information is being transmitted securely? In order for your information to be sent securely, it must be encrypted. You can verify if you are logged onto a secure site in two ways. 1.) If you look in the address bar of your browser you will see that the address begins with https://. non-secure sites begin with http://. 2.) Most browsers will have a padlock icon in the bottom right or left of the browser window. You will be able to click on the padlock to verify the security of the site you are visiting. Please note that when you want to perform online transactions, you will be forwarded to a third party vendor that maintains our online banking program. When verifying the padlock for Members 1st Credit Union you be verifying for www. mbrs1st.org or www.membersonline.org. When verifying the padlock for the online banking program, you will be verifying for www.flexteller.net based out of Salt Lake City, Utah. Top
What is encryption and how does it work? Encryption is the process of scrambling data into an unreadable format that is more secure for transmission over the Internet. Very similar to secret code, encryption takes your data and uses complex mathematical equations called algorithms to scramble the information into an unreadable format called ciphertext. The ciphertext is impossible to read without having a key to unscramble the information to its original form.
Information is scrambled or encrypted at the client side (your browser) and then unscrambled or decrypted at the server side. The two most common levels of encryption are 40-bit and 128-bit and they have both been implemented commercially on popular browsers like Microsoft Internet ExplorerTM1 and Netscape NavigatorTM2.
The encryption we use during online sessions to transmit your financial data is based on the highest level of security currently available in North America, to prevent the risk of the information being intercepted and read by a third party. Top
What is the difference between 40-bit encryption and 128-bit encryption?
There are currently two levels of encryption available in today's popular web browsers: 40-bit encryption and 128-bit encryption. Although most browsers support 40-bit encryption, the 128-bit browsers provide the highest level of security available in North America today. Netscape and Microsoft are currently restricted by United States law from exporting the 128-bit encryption software outside of North America. We strongly recommend that our members utilize 128-bit encryption. To utilize 128-bit encryption make sure your browser is up to date. Top
How do I order checks?
Checks can be ordered from any Members 1st branch or through Online Banking. Login or register for Online Banking now. Top
What is Check 21?
Check 21, became effective on October 28, 2004. Check 21, allows checks to clear more quickly due to increased efficiency through the use of electronic image technology. Original checks will be copied, sent electronically to the clearing institution and the substitute check will be cleared. Top
How does Check 21 affect me?
Check 21, does not affect the way that you write checks or accept checks. The time it takes for a check to clear can decrease dramatically. In the past, it could take days for checks to clear an account. But with Check 21, it could take just hours for a check to clear. Top
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with substitute checks. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states,"This is a legal copy of your check. You can use it the same way you would use the original check".
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other laws.
If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we receive your claim.
We may reverse the refund (including any interest on the refund), if we later are able to demonstrate that the substitute check was correctly posted to your account. Top
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at 530-222-6060 or write us and mail to P.O. Box 492395 Redding, CA 96049. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
Your claim must include the following:
A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
An estimate of the amount of your loss;
An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
A copy of the substitute check and/or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check and the amount of the check. Top
What do I do if my Visa Check Card or Visa Credit Card is lost or stolen? As soon as you’re aware that your credit card or check card has been lost or stolen, contact member services at (530) 222-6060 or 800-303-383 during regular business hours. After hours, please call (530) 222-6060 or (800) 303-3838 option 8. You will need to have your credit card or check card number to report the card missing after hours. You are not responsible for any fraudulent charges on a card if you report it promptly.
How can I get cash back on my VISA Check Card through the Pulse system? The PULSE and PLUS systems make it possible for you to get cash back at selected merchants. It is up to each individual merchant if they allow cash back and how much their cash back limit is. There may be a fee from the merchant to use your card as debit and/or to get cash back. If you have a PIN number for use with your card, you can select the debit option at those designated merchants to get cash back. Click Here to view some of the locations where your card can be used as debit or to receive cash back where available: Top
Why do I have a hold on my account after I purchased gasoline with my debit card?
Some gas stations place holds exceeding the amount of gas purchased. Possible ways to avoid these holds include: Always use your card as a credit card, or go inside and purchase a specific amount. Top
When will I receive my cards?
New cards should be received in 7 to 10 business days. If you need to rush your card order, please contact Members 1st by calling (530) 222-6060 or (800) 303-3838 or visit a Members 1st Credit Union branch. Top
What should I do if I detect fraud on my account?
Contact a Member Service Representative immediately by calling (530) 222-6060 or (800) 303-3838 or visit a Members 1st Credit Union branch. Top
How are accounts insured through NCUA?
Properly established share accounts in federally insured credit unions are insured up to $250,000.
Generally, if a member has more than one account in the same credit union, all funds are added together and insured up to $250,000.
A member can have additional coverage on multiple accounts, but only if the accounts have different ownership interests or rights in different types of accounts.
Additional coverage is available on revocable trust or payable on death accounts.
On joint accounts, the co-owner’s interest in all joint accounts in the same credit union will be added together and insured up to $250,000.
Traditional and Roth IRAs are insured separately to $250,000 from other accounts that the member maintains in the same credit union.
However, both Traditional and Roth IRAs are added together and insured up to $250,000.
For revocable trust accounts, a member can have coverage up to the SMSIA for each account that has a different beneficiary named to receive the funds.
The charts below shows how a typical family may use multiple ownership of accounts to increase the insurance coverage for family funds.
Members 1st Credit Union offers Accidental Death and Dismemberment Policies for members through CUNA Mutual Insurance. Each member (primary member on a credit union account) is entitled to a $1,000 policy at no charge. Additional coverage is available for members to purchase from CUNA Mutual.