Prepare them for the future

Accounts Starting at $1,
Gifts with Each Deposit

Get Started

Mem-Bear Account Features

The fundamentals they need to succeed.

Gifts with each deposit

Reinforce good savings habits by receiving a free gift with each deposit made at a branch.

Open an account for $1

Start your account today for just $1.

Interest bearing

Earn interest on the money you save.

ATM card

Access your savings from any Members 1st ATM with your free ATM card.

No minimum balance

Keep as much or as little in your savings without worrying about fees.

Direct deposit

Automatically transfer or deposit funds into your child's account online.

eAlerts

Receive email and text notifications for all types of activity on your account.

eStatements

Access your statements online immediately, without the hassle and security risk of storing them.

Remote check deposit

Deposit checks directly into your account with your mobile or tablet device.

More ATMs Coast to Coast

More surcharge-free ATMs than just about any bank, anywhere
Surcharge free ATMs
States with our ATMs
Countries with our ATMs

ATM Network Comparison

January 2016 comparison based on claims located at bankofamerica.com, chase.com, wellsfargo.com, usbank.com, and usbanklocations.com

Members 1st and CO-OP ATMs

Members 1st has partnered with the CO-OP ATM Network to bring you nearly 30,000 surcharge free ATMs to use across the U.S. and some international locations. Withdraw funds from any of these ATMs without paying a fee. Find an ATM near you now.

Compare Accounts

Compare all savings accounts.

Mem-Bear

  • No monthly fee
  • $1 minimum deposit
  • $5 minimum balance to earn APY
  • 0.050% APY earned monthly
  • Free ATM card
  • Free direct deposit
  • Free eAlerts
  • Free eStatements
  • Free remote check deposit
  • Free mobile app
  • Free gift with account milestones

Savings

Most Popular
  • No monthly fee
  • $1 minimum deposit
  • $100 minimum balance to earn APY
  • 0.050% APY earned monthly
  • Free ATM card
  • Free direct deposit
  • Free eAlerts
  • Free eStatements
  • Free remote check deposit
  • Free mobile app

Money Market

  • No monthly fee
  • $2,500 minimum deposit
  • $2,500 minimum balance to earn APY
  • 0.200% APY earned monthly1
  • Free eAlerts
  • Free eStatements
  • Free remote check deposit
  • Free mobile app
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Holiday Savings

  • No monthly fee
  • $0 minimum deposit
  • $100 minimum balance to earn APY
  • 0.050% APY earned monthly
  • Free direct deposit
  • Free eAlerts
  • Free eStatements
  • Free remote check deposit
  • Free mobile app
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1. Stated Annual Percentage Yield (APY) is determined by your minimum account balance.

Games

Financial Soccer

Financial Soccer Play Now

Financial Football

Financial Football Play Now

Money Metropolis

Money Metropolis Play Now

Cash Puzzler

Cash Puzzler Play Now

Road Trip To Savings

Road Trip To Savings Play Now

Countdown to Retirement

Countdown to Retirement Play Now

Peter Pig's Money Counter

Peter Pig's Money Counter Play Now
Eligible to all Shasta, Tehama, Butte, and Glenn County residents. Join Now