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Convenience Services


Fraud Alert

Fraud Alert - Identity Theft
Identity theft is today's number one crime, and increasing technology just expands the criminal opportunities. Protecting your identity and financial assets from identity thieves and cyber criminals requires consistency and discipline. These basic guidelines will go a long way toward protecting your identity.

  1. Be very discerning when revealing any personal financial information, especially your social security number (SSN). You are only required to provide your SSN for income tax records, medical records, college records, loan applications, and vehicle registration.
  2. If your bank or the IRS is contacting you, they should already have your social security or account number.
  3. Don't carry your social security card in your wallet.
  4. Most identity theft uses information obtained via the trash or your mailbox. If you have a street-side mailbox, consider sending your bills and statements to a P.O. box.
  5. Keep items with personal information in a safe place. Shred anything you don't need, such as bank statements and paycheck stubs (yearly), checking/share draft copies and credit card receipts (every 45 days), insurance forms, and credit card solicitations (immediately).
  6. Order a free copy of your credit report from each credit reporting agency every year. Verify the accuracy of your credit report and any credit activity.

Fraud Alert - Phishing
Phishing scams continue to fill the headlines these days. Phishers use spam (unwanted e-mail) to lure people to bogus websites to obtain personal information and commit identity theft. Be advised: Phishing scams and their websites often appear authentic, using a company's proper logo, colors, and design elements. Use these measures to avoid being hooked by a phisher:

  1. Install and use a firewall, antivirus software and anti-spyware programs on your computer.
  2. Delete e-mails requesting personal information. Note: 1st Mississippi will never send you an e-mail requesting personal information.
  3. Don't visit a website listed in an unsolicited e-mail if you have any suspicion about its authenticity. And never use a link within an e-mail to visit a website; instead, open a new browser and type in the URL.
  4. Change your online banking and shopping account passwords every three to six months.
  5. Only enter credit card or account information via a secure website -- one that begins with "https" in the URL and has a padlock icon on the browser frame (click on the browser frame to view the security certificate).
  6. If you have online access, monitor your accounts frequently.

Fraud Alert - Internet Security Tips
The Internet banking service has several effective security techniques that we encourage you to implement when you use online banking:

  1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
  2. Change your password on a regular basis.
  3. Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
  4. Change your session timeout in User Options to a time that meets your needs.
  5. Balance your account on a regular basis. Online banking makes it easy!
  6. For more security tips and information, please visit the Security section of our website.

Debit Cards

Unlike most banks, 1st MS offers instant-issue debit cards on the day you open an account with us. Walk in and open an account, and walk out with your debit card! Debit cards work like a credit card, but funds are deducted from your checking account automatically, so there's no need to worry about monthly payments or finance charges.

You can also use your 1st MS debit card to get cash quickly from one of our designated ATMs. All your transactions show up on your monthly account statement for easy tracking.

If you think your Debit Card has been lost or stolen, let us know immediately by calling 601.693.6873 or to report lost or stolen Visa® debit cards after hours, call 1.800.523.4175.

If you need additional help or information, contact one of our Member Services Representatives.

* Accounts opened in our Quitman branch will have cards mailed to them on the same day the account is opened.

Credit Cards

Our consumer and business credit card products offer competitive pricing combined with a full range of reward options.

Apply for a Credit Card Today

Talk to one of our Member Services Representatives for all the details. Click here for contact information.

Direct Deposits

1st MS is pleased to offer Direct Deposit to our members, giving you the opportunity to have paychecks, pensions, social security payments, tax refunds, and dividends deposited directly into your account. There are many benefits to Direct Deposit, primarily convenience and security. You get the convenience of not having to drive to the credit union just to deposit a check. Even if you are out of town, your money will be deposited into your account on a regular basis. You also have security in knowing you don’t have to keep up with a paper check – everything is handled electronically. Other features include:

  • Instant electronic transmission
  • Pay stub provides your receipt
  • Funds are available immediately
  • You begin earning interest immediately
  • No check to lose
  • No worries about getting an unsigned check
  • No worries about getting a forged, fraudulent check
  • Direct Deposit has an outstanding accuracy record

If you are interested in signing up for Direct Deposit at 1st MS, visit one of our branches to sign up today or contact one of our Member Services Representatives. Click here for contact information.

Safe Deposit Boxes

1st MS offers Safe Deposit Boxes for our members’ convenience. Our reasonable yearly rates make these an ideal choice for the safekeeping of important papers, family heirlooms, or anything of value to you.

Box Sizes Yearly Cost

Size Yearly
3 x 5 $25.00
3 x 10 $35.00
5 x 10 $45.00
10 x 10 $55.00


If you have questions or need additional information, please contact one of our Member Services Representatives. Click here for contact information.

Wire Transfers

1st MS offers Wire Transfers to our members who need to send money quickly. Wire Transfers are fast and convenient and allow you to move funds from your account to another financial institution easily.

If you need to set up a Wire Transfer, whether domestic or international, contact one of our Member Services Representatives. Click here for contact information.

Ready to wire?

Wire To:
Corporate America Credit Union
Irondale, AL
ABA #262090120

For Credit To:
1st Mississippi Federal Credit Union
Meridian, MS
ABA #265300011

Final Credit To:
MEMER NAME
MEMBER ACCOUNT NUMBER

**Wires are tracked via an IMAD #; International wires need a correspondence bank/institution to process the wire prior to sending to Corp America.

Money Orders

MoneyGram Money Orders are available at all 1st MS branches. We offer our members two free money orders per month. After the first two, there is a $2 charge for any additional Money Orders during that month. Money Orders can be purchased up to $1,000.

If you need to send a Money Order, visit one of our branches today or contact one of our Member Services Representatives. Click here for contact information.

Shared Branching

In an effort to give our members the ultimate in convenience and service, 1st MS partners with thousands of participating credit union service centers across the U.S. This gives our members access to our services even when they are traveling to other states. Use one of our Shared Branches to:

  • Get cash
  • Make deposits
  • Verify account balances
  • Transfer funds between accounts
  • Make a loan payment
  • Purchase money orders or travelers checks if available

Find a CO-OP Shared Branch

**Be sure to have your account number and a valid photo ID such as a driver's license when you visit one of our Shared Branches.

If you need help or additional information contact one of our Member Services Representatives. Click here for contact information.

Shared Branch

 

 

 

 

Easy Answers Help Line

Have questions about our services? Call our Easy Answers Help Line and get answers quickly! We are here to serve you!

Easy Answers Help Line
601.482.0900

Free Notary Public Services

1st MS offers free Notary Public Services at each of our branch locations. Visit us during our hours of operation and utilize this free service for our members!

If you need additional information, contact one of our Member Services Representatives. Click here for contacts.