Audio Teller

ATS (Audio Teller Service) is Members First’s 24 hour phone teller. It can be used to verify balances, make transfers, see if a check has cleared, or run a history on your account. ATS can be used from any phone with your confidential access code. Best of all, ATS is a free service.  Speak to a Financial Service Rep to sign up today or call 361-991-8357. Download instructions and codes for our Audio Teller Service here.


Automatic Funds Transfer

With the Automatic Funds Transfer service, you can either sign into CU Online to set up any of your loan payments to be paid automatically from your account or see a Financial Service Rep to get you started. Best of all, it’s a free service!


Cashiers Checks

Cashier’s Checks are purchased with funds from your account. They are normally used for larger purchases, payments or to pay companies that will not take a personal check. In order to complete this transaction, the member must provide payee information and amount. There is a $3.00 fee for a Cashier’s Check.


Direct Deposit

*When you have Direct Deposit, we’ll post it up to 2 days early! No more waiting in line on payday to cash or deposit your check. Have your paycheck deposited directly to your account and save time each payday. It’s fast, convenient, and your money will be in your account before your day begins! Ask your employer for a direct deposit form, fill it out and give it back to your employer. You can also set up Direct Deposit for your Social Security checks by calling 1-800-772-1213. If you’ve never had Direct Deposit before and you sign up for one, you could earn $25! Click here for the $25 Direct Deposit coupon.


*Because not all Direct Deposits come from the same companies or at the same times, not everyone’s Direct Deposits will post to their account early. All early Direct Deposits are dependent on the paying company and when they send us the file of payment. If the payment file is sent on the same day of the scheduled credit or one (1) day before the scheduled credit, it will post to the account the day it is received (up to 2 days). To avoid any overdraft fees, always verify your available balance before processing any transactions on your account. Contact a Financial Service Rep for more details @ 361-991-6178 Opt. 2


GreenPath Financial Wellness & Debt Management

Your Path to a Bright Financial Future Begins Here!  With GreenPath, you have free access to money management and financial education services. GreenPath is a non-profit company that partners with you to achieve your financial goals. You can receive assistance with:

• Personal and family budgeting
• Understanding your credit report and how to improve your score
• Money management
• Debt repayment
• Avoiding bankruptcy, foreclosure and repossession

For free financial coaching, click here to visit the GreenPath website.
Click here for a Budget Checklist


Money Orders

A Money Order can be purchased with funds from your account up to $1,000.00. The member may fill in the “Pay to the order of” and sign the Money Order themselves. There is a $1.00 fee to buy a Money Order.


Night Drop/ Mail Deposits

A service in which a deposit or loan payment may be conveniently mailed to us or dropped in our Night Drop box at any location. Transactions by mail are especially great for when our members move out of town but want to keep accounts with us! We have a Night Drop outside at every location available 24 hours a day. All deposits and payments to be posted on the same business day must be in the night drop before 8:30 a.m. any business day.


Payroll Deduction

Many companies offer automatic deduction from your payroll check. This can be set up through the Credit Union to be deposited to any of the accounts we offer, or to make loan payments. Ask your HR/payroll director if Payroll Deduction is available through your employer.




Members First has partnered with TruStage to get you the discounted insurance coverage you need!   You will find Insurance benefits for AD&D – Home – Auto – Life & Health. To learn more about TruStage or to get started, click here.


Visa Gift Cards

Visa Gift cards are a great way to give friends or family a gift. The Visa Gift Cards come in any amount from $10 to $500, and it is activated within 24 hours of the purchase of the card. For every card you purchase, there is a $2.50 fee. If the card is lost or stolen, there is a $10.00 replacement fee. If the card has not been used, on the 13 month after no use, a $5.00 fee will be assed each month until the card is used again. There could be other fees, so be sure to read the full agreement that you received with the card. The Visa Gift Cards should not be used for: Pay at the pump gas, Hotel reservations, or auto rentals. The reason for this is because these types of businesses usually hold a very large amount on the card. Higher than the actual purchase amount, and it may get declined because there aren’t enough funds on the card to cover the hold. Select a pin #, get your balance, or see recent transactions for your Visa Gift Card here. You can also call 1-866-833-2370. Please have your card handy. You will need your card number and the 3 digit security code number on the back.


Wire Transfers

Wire Transfers are a service by which money can be sent via the federal reserve system from one financial institution to another. Funds must be transferred by 12:00 noon to be received the same day in the U.S. The actual time credit that’s received, depends on the receiving institution. Some institutions may have earlier cut off times.  We advise that you contact the receiving institution for more information on their wires. International wires may take 24 hours or more and are not guaranteed once they leave the U.S. These wires must be received by 11:00 a.m. to be sent the same day. We charge $15.00 for wires sent in the U.S. and $35.00 for wires sent outside the U.S. View Wire Instructions.