Frequently Asked Questions

• What are your hours?

  24th and Cedar (Drive-Up Only)

  

  Operating Hours:

  Mon 9:00am-5:00pm

  Tues 9:00am-5:00pm

  Wed 10:30am-5:00pm

  Thurs 9:00am-5:00pm

  Fri 9:00am-5:00pm

  Saturday Closed

   

  ITMs (Located outside Bdwy Branch)

  

  Live Teller Hours:

  Mon 7:30am-5:00pm

  Tues 7:30am-5:00pm

  Wed 10:30am-5:00pm

  Thurs 7:30am-5:00pm

  Fri 7:30am-5:30pm

  Saturday 8:30am-12:00pm

  *Operates as an ATM 24/7/365*

   

   

  24th & Broadway (Lobby)

  

  Operating Hours:

  Mon 9:00am-5:00pm

  Tues 9:00am-5:00pm

  Wed 10:30am-5:00pm

  Thurs 9:00am-5:00pm

  Fri 9:00am-5:00pm

  Saturday 8:30am-12:00pm

   

• What is your routing number?

  What is your routing / ABA number?

  Members First's routing number is 281277403. 

  The Routing Number is also called an ABA number or routing transit number. You can find it in the lower left- hand corner of your checks.
  
  

  Sign up for Online Banking to process transactions such as:

  • Direct Deposit
  • Bill Pay
     

  
  

• What is the $25 in my savings account, and why can't I use it?

  The $25 that sits in the Primary Savings account acts as an anchor to your Member number. Without a Primary Savings, or the $25 minimum- the account would not hold open, which is why this amount is not available for withdrawal.

  The only time a Member would receive this $25, is if they were to close their account completely.

• How do I change my personal/contact information?

  You can change your contact information by calling us at 217-223-4377, or mentioning it the next time you find yourself at one of our branches (or going through the ITM).

• How do I register for online/mobile banking?

  Sign up for online & mobile banking today!

  You will need the following:

  • Account Number (member number)
  • Primary account holder Social Security number
  • Current email address (MUST be the same email that was given to Members First at account opening- you call us at 217-223-4377 to update any personal information.)

  Sign up one of two ways:

  1.  Log onto www.membersfirstccu.com and click the link in the top left of the page that reads Login.  Once launched, choose "click HERE to enroll now" on the right hand side.
  or 
  2.  Download our Free Mobile App, tap Accounts, and then tap Enroll Now.

• How do I deposit checks online?

  1. Open Mobile Banking
  2. Select the Deposit Check button                                                                                      
  3. Select the account you would like to deposit money into                                     
  4. Input the amount on the check you are depositing
  5. Click "Take a picture of the FRONT of the check"
  6. Take a picture of the front of the check
  7. Click "Use Photo"
  8. Click "Take a picture of the BACK of the check"   -   Be sure to sign (endorse) the check and write “Mobile Deposit to MFCCU” on the back
  9. Take a picture of the back of the check
  10. Click "Use Photo"
  11. Verify information
  12. Click Submit button

  

  After you verify your information you will receive an email notification when your deposit is submitted, processed. You should store the check(s) in a secure location for 90 days before disposing of the original check.

  Note: Your deposit will be fully processed by MFCCU on the same day if made prior to 4:30 pm ET Monday - Friday, or else the next business day.                                                                                                                              

• How do I check my balance?

  You can check you account balance with Online Banking, or the Mobile App. 

  If you do not have our Mobile App, click here to download today.

  If you are not enrolled in Online Banking, you can sign up one of two ways:

  1.  Log onto www.membersfirstccu.com and click the link in the top left of the page that reads Login.  Once launched, choose "click HERE to enroll now" on the right hand side.
  or 
  2.  Download our Free Mobile App, tap Accounts, and then tap Enroll Now.

   

  You can also call the credit union at 217-223-4377 to receive account information, during operating hours.

• What is the difference between a Debit Card and a Credit Card?

  A Debit Card is tied directly to a Checking Account- to the exact funds available at the moment. 

  A Credit Card is a line of credit that you are able to access through a card. Card limit and interest rate are both decided based on the Member's credit. All balances not paid off within 30 days will acquire interest.

  • When used correctly, a credit card is a great way to improve your credit score! Talk to our credit experts at 217-919-2100 to see if our low rate Credit Card is a good option for you.

• What are the daily debit card limits?

  The daily ATM withdrawal limit is 305. The daily point of sale limit (purchases) is 1,000.

  (The limits above with the assumption that the funds are available, or Member is opted into Courtesy Pay)

  These limits can be temporarily increased, upon Member request and assuming that the amount requested is equivalent or less than the funds available.

• What do I do if there was fraudulent activity on my Debit Card or Credit Card?

  If there is fraudulent activity on your Debit Card or Credit Card...

  You will need to call our Cards Department at 217-919-2107, if they have not already reached out to you.

• How can I make a loan payment?

  There are many simple, and convenient ways to make a loan payment at MFCCU..

  1. Call or Come in- you can call the credit union at 217-223-4377 and we can transfer the funds over the phone, or you can come into the credit union with cash, check or request the transfer.
  2. Home/Mobile Banking- you can complete the transfer yourself on the Mobile App or Online Banking.
  3. Debit Card- if you are wanting to make a payment via debit card, you can come in, call, or use the link located on the upper left of our website's homepage listed as "MAKE A LOAN PAYMENT." 

• Do you offer notary services?

  We do have limited notary services available at our 24th & Broadway branch.

• Can someone under the age of 18 open a checking account?

  Yes. 

  Anyone 17 years old or younger is able to open a Checking Account, as long as there is a parent or guardian present who is willing to act as joint owner (at least) until the child would turn 18.

  The Member is still has the same other requirements as any new Member.