Products and Services


How do I activate my Service 1 FCU Mastercard® Debit Card?

Call (800) 543-5073. Your Personal Identification Number (PIN), which is mailed separately from your card, is required to activate your card.

How do I activate my Service 1 FCU Mastercard® Credit Card?

Call (800) 543-5073

How do I change my Mastercard® Debit Card PIN?

Call (866) 297-3411. Your current PIN is required to make a change. 

What if I don’t know my current Mastercard® Debit Card PIN?

Call your local Service 1 FCU location and to request a PIN reset or request your current PIN be sent to you.

How long do I have to wait for my new Mastercard® Credit Card?

New members opening a share account with a Mastercard® debit card may receive a card and PIN within a matter of minutes. Cards that are mailed from our processor can take between 5 to 10 business days. After receiving your new card, your PIN will arrive by mail approximately 2 to 3 days later.

What if my debit or credit card has been lost or stolen?

If you’ve lost your card(s) or suspect theft, please notify Service 1 FCU immediately at (231) 739.5068 during regular business hours. After business hours and weekend inquiries, please dial (866) 333.4740.

To deactivate your card(s) for an extra layer of protection, sign into your account, select the appropriate card, then tap "Card Controls." Cards can be temporarily deactivated while you contact Service 1 FCU and your account is under review. 

How do I order checks?

You can order checks online at or any Service 1 FCU location.

Is there a fee for checking?

Your checking account with debit/ATM card is always FREE. Choose from free rewards checking through Kasasa® or free basic checking.

How much does it cost to transfer a loan from another financial institution to Service 1 FCU?

There's no charge to transfer a closed-ended loan (such as an auto loan)! Costs to transfer a mortgage loan will vary; contact your nearest Service 1 FCU branch for details.

Do you offer home mortgage loans?

Yes! If you're on the move, we'll help you pack, with competitive home financing rates and the personalized service you've come to expect at Service 1 FCU. Make your move today when you contact your nearest Service 1 FCU branch or a mortgage loan officer directly:


Michael Vanderwall
NMLS ID# 134002
Phone: 616-299-8919
Fax: 616-464-2547
[email protected]


Cale Ritter
NMLS ID# 431649
Phone: 918-541-8450
Fax: 417-250-2243
[email protected]


Jessica Sawyer-Busch
NMLS ID# 392868
Loan Originator
Phone: 248-247-1894
Fax: 248-509-5933
[email protected]

Offered through a partnership with AmeriCU Mortgage Company

AmeriCU Mortgage Co logo

Can I still get a loan if I don’t have perfect credit?

We review all loan applications and take many factors for each unique situation into consideration. Find out how we can help you!

What are your credit card interest rates?

Low rates and high rewards? Score! Apply for our ScoreCard Rewards® credit card with a low, fixed rate of 9.9% APR, no annual fee, no balance transfer fees, a true 25-day grace period and REWARDS like free merchandise, gift cards, travel discounts, online play, and more! Earn points with every BONUS POINTS when you activate special offers, helping you get the rewards you want faster!

Is there a fee for using the ATM?

Members receive 4 withdrawals, 4 transfers, and 2 inquiries per month FREE. Transactions in excess of these are $1.00 each. Transactions are valid at ATMs owned by Service 1 FCU as well as those in the Co-Op Network. Other ATMs outside of this network may assess a fee.

Do you have Online Bill Pay?

Yes, we offer FREE Online Bill Pay—just log into It'sMe247 Online Banking to get started! Once you're enrolled, setting up reminders and recurring payments is simple, so you'll never make a late payment again. Use the Service 1 FCU mobile app to pay on-the-go, too! 

Can I make a loan payment online?

Quickly and easily make your payment from your computer, tablet or smartphone—there are many convenient options—and get back to enjoying life! Transfer from your Service 1 FCU account in It'sMe247 Online Banking (desktop, mobile web or mobile app), set up a payment from another financial institution, or pay using a card or bank routing number. Online loan or credit card payments can be made with a credit card or non-Service 1 FCU account for a nominal convenience fee.

Visit our Loan Payments page for free and low-cost loan payment options!

Can I activate It’sMe247 Online Banking without contacting a representative?

New members and first-time It'sMe247 Online Banking users can enroll in online banking using a desktop computer or via the mobile app. Click on the blue "Online Banking" button in the upper right corner of the website, then select "First Time User" in the pop-up box. Follow the prompts to enter your information; the process is similar in the mobile app, which is available in the App Store for iOS and the Google Play store for Android.

You're on your way to enjoying all of the conveniences of banking online, including transferring funds, setting up account alerts, FREE online bill pay and more!

How do I reset my PIN in Online Banking if I have not used it in over 60 days?

Call your local Service 1 FCU office to reset your PIN securely. We're happy to assist you!

Can I access my deposits early?

Some automatic deposits may be available EARLY when you choose the "Post Now" feature in It'sMe247 Online Banking! Types of deposits include direct-deposit paychecks, tax refund checks, and more. For a nominal convenience fee, your funds will be accessible on demand, before they're scheduled, so you can bridge the financial gap and avoid an overdrawn account or NSF fees, late payments, service shutoffs and more. Get details when you log in using your computer, smartphone or tablet—or call a Member Service Representative at (800) 879.9697.


Your Account


How do I change my address with Service 1 FCU?

Change your address online with just a few taps or clicks in It’sMe247 Online Banking, or by visiting any Service 1 FCU location

How do I know my money is safe and insured?

Your funds are safe and secure, backed by the complete confidence of the National Credit Union Administration (NCUA), an independent United States government agency dedicated to protecting credit unions and our members.

All deposits are federally insured by the NCUA up to $250,000. Download the NCUA brochure explaining federal deposit insurance or learn more at Visit

Can my family or friends that are not members on my account at Service 1 FCU make withdrawals or deposits into my account?

Non-members can make deposits into your account but not withdrawals. For security reasons, those not listed on your account are not permitted to access account balance information. 

Do I have to close my account if I move out of state?

Keep enjoying your many member benefits wherever you call home! Access your money via It’sMe247 Online Banking, with our mobile app, and at our Shared Branch locations. Visit the Shared Branching website to find one near you.




What’s the difference between a credit union and a bank?

Credit unions are not-for-profit financial cooperatives owned by members and governed by a board of directors elected by, and from among, those members. Usually there is a common bond among the members, such as belonging to the same organization or living in the same geographical area. Credit unions accept deposits from their members and use them to make short-term loans. Deposits are regarded as purchases of shares, and earnings of the credit union are paid out to members in the form of lower interest rates on loans, higher savings rates and dividends.

Banks are community, regional or national for-profit business corporations owned by private investors and governed by a board of directors chosen by the stockholders.

What are the benefits of membership at Service 1 FCU?

At Service 1 Federal Credit Union you're a member, not merely a customer. Everyone who belongs to Service 1 FCU is an owner and is known as a member.

Ownership has many benefits, including online banking with free bill pay and A2A transfers; on-the-go banking with convenient mobile app featuring remote check deposit; competitive financing rates on auto, home and personal loans; savings dividends; checking rewards (high-interest dividends, cash back, digital credits and refunded ATM fees when monthly qualifications are met with a FREE Kasasa checking account); low-rate credit cards; competitive CD rates; youth savings and checking accounts with debit card privileges; annual scholarship program; shared branching with free nationwide ATM network; certified financial counselors; identity theft monitoring with Kasasa Protect; and so much more, not to mention top-notch, personalized member service!

Service 1 Federal Credit Union is a federally chartered credit union that is insured and regulated by the federal government. All credit unions have membership eligibility requirements. Once you join, membership at Service 1 Federal Credit Union can last a lifetime. Make the switch today!

How can I join?

Service 1 Federal Credit Union’s field of membership consists of nearly 600 companies and community organizations in Michigan, Missouri, and Alabama. We work closely with these organizations to ensure that employees receive the best financial experience possible. Any employee of a company that's affiliated with Service 1 Federal Credit Union is eligible to become a member simply by depositing $5.00 into a Share Account. Residents of Stone and Barry Counties in Missouri— as well as those in a select geographic area between Shell Knob, MO and Neosho, MO—are also eligible.

Immediate family such as a spouse, child, sibling, parent, grandparent, or grandchild of a member are also eligible for membership. For more information on individual or corporate membership eligibility contact Service 1 Federal Credit Union at (231) 739-5068. 




How do I set up direct deposit or automatic payments?

Direct Deposit can be set up with your payroll provider. Provide the Service 1 FCU routing number (272483264) and your Service 1 FCU account number to start receiving your payroll deposits electronically! 

How do I set up ACH transfers from savings or checking?

You can set up ACH Transfers through It’sMe247 Online Banking or with a Member Service Representative at any Service 1 FCU location.

Can I set up payments from my Service 1 FCU account to another financial institution?

Yes, this can be done through free Online Bill Pay or our A2A transfer service. Ask your Member Service Representative to help you get started today!

Can I set up payments from another financial institution to my Service 1 FCU account?

Yes, you can use our A2A service to transfer funds to your Service 1 FCU account. Call, click or stop in today for complete details and transfer forms.

How do I wire money?

Federal regulations require completion of a wire transfer form for all money wires. Visit your nearest Service 1 FCU branch during regular business hours to initiate your wire transfer. Current outgoing domestic wire transfers are assessed a $25.00 transaction fee.




What holidays are you closed?

View our holiday closings

Do I need an appointment to speak with a loan officer?

An appointment is not required to connect with a loan officer. However, we do encourage you to schedule one to ensure you are served in a timely manner with individualized attention—we know your time is valuable. Call our Member Service Center at (800) 879.9697 to get started today!

When are you open?

Hours of operation vary by branch and can be found on our Locations & Hours page. We look forward to your visit!

What’s new on the Service 1 FCU website?

Our easy-to-navigate website is updated regularly to ensure your security and to share special rates, promotions, events and new services. We’ve added convenient financial calculators, ADA accessibility, link to Spanish-language conversion site, and areas where you can request more information. Ask us anything!

Coming soon: webchat!

If I deposit funds into my account do they go into my account right away?

If you deposit funds into your account at a Service 1 FCU location, yes, the money is available in your account immediately. If you're depositing a check, the funds may be placed on a temporary hold for verification and security purposes. For questions about availability of funds, please reach out to our Contact Center at (800) 879.9697.

Do you have a coin machine?

Our Lakes Mall Branch in Muskegon offers the convenience of turning loose change into cash via a coin counter! Service 1 Federal Credit Union members are assessed a nominal 5% fee (of total deposit) when using the coin machine. Service 1 FCU offers scheduled “Coin Machine Giveback” events: special promotional periods that waive fees for members. Check your email and this site periodically for information about giveback events, and like our Facebook page for advance notice of events and more!

Non-members are invited to use the coin machine for a 10% fee (of total deposit).

Does Service 1 FCU have a notary service?

Yes! We offer notary service. Please check your local branch for availability.

What kind of service fees are charged?

Most services are offered as no-cost benefits to membership in the Service 1 FCU family. Select services do incur a fee to cover the cost of providing the service; access the schedule here. If you have any questions about a service or associated fee, please contact a Member Service Representative and we'll be glad to help!

What is your routing number?

Our routing number is 272483264

More How-to Videos

Check out these helpful videos for more information about conveniently managing your online account:

Mobile App Walkthrough

Online Banking Walkthrough

Mobile Check Deposit

Mobile App Face Authentication Setup

Mobile App PIN (personal identification number) Setup