MI Check Phase Out Update

At Members First, our mission is to empower you on your journey to well-being and that means helping you confidently navigate changes. Starting September 30, 2025, the federal government will stop issuing paper checks for most federal payments. Benefits will be sent electronically instead. We know this change can feel overwhelming, but don't worry - M1 is here to make the transition simple and as stress-free as possible.

You've got options:

Direct Deposit
Get your benefits safely and conveniently right to your M1 account.
With Early Pay, you could even receive your benefits up to 2 days sooner!*  

How to Set up Direct Deposit for Your Federal Payments

• Online: Visit the U.S. Treasury's official GoDirect website at GoDirect.gov
• By phone: Call the Electronic Payment Solution Center at 1-800-967-6857 (Mon–Fri, 9 a.m.–7 p.m. ET). 

Need Help Setting Up Direct Deposit?

We've got you covered! 

• Call us at 855.835.6328 
• Stop by your local branch with a device, and we'll walk you through online registration 
• Or let us print a direct deposit form for you to send in by mail- whatever works best for you 

When setting up direct deposit with Members First, you'll need: 

• Routing Number: 272480123 
• Account Number: Don't know it? Call us 855.835.6328 and we'll help you find it. 

No Checking Account? No Problem.

Even if you've been denied in the past, M1 has new options available to help give you a fresh start.

Reach out today and we'll guide you every step of the way.

Enjoy the Benefits of an M1 Debit Card

With your M1 debit card, you'll get access to surcharge-free ATMs, the convenience of Tap to Pay, and the peace of mind that comes with secure transactions.

Together, we'll work to make this transition simple - so you can keep focusing on what brings you joy. 

*You may receive a direct deposit up to two days early with Early Pay (5 days for Federal Government Payments) if a recurring qualifying direct deposit. Early Pay deposits are dependent on when the deposits are received from your employer or other sender. We cannot guarantee that deposits will be posted prior to their anticipated settlement date. Some direct deposit types may not be eligible. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (855) 835-6328 and asking to have Early Pay removed. Your account(s) must be in good standing to be eligible for Early Pay. For more information, please contact a branch.