FAQs

If your wallet has been lost or stolen, take the following actions:

• Call the three major credit reporting agencies (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 and Trans Union: 1-800-680-7289) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
• Notify the SSN national fraud hotline at 1-800-269-0271.
• Cancel your credit cards.
• File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.

For any accounts specific to TN Members 1st FCU:

• Contact the credit union and a Member Service Representative will be happy to assist you with options that best fit your situation. Sometimes, we can simply get you a new card, other times, it's best to close the compromised account and open a new account. As of February 2024, both of our branch locations are equipped to print contactless cards available to members in a matter of minutes. 
• Log in to your digital banking and click ‘Support’ on the left-hand navigation menu for customer service and fraud support phone numbers. If you don’t have digital banking, please contact the credit union.

We have partnered with one of the nation’s most trusted names in Identity Theft Protection to provide our members with a comprehensive Identity Theft Research, Remediation and Recovery Service. Members automatically receive basic coverage of Fully Managed Recovery Services; however, opportunities for additional coverage are available. As a member of TN Members 1st, your fully Managed Identity Theft Recovery Services cover all types of identity fraud, even if it is not related to your accounts with us! This could include credit or debit card fraud; tax, employment, benefits, or medical fraud; government documents; and any other identity fraud recognized by the Federal Trade Commission. If you suspect identity theft for any reason, know there is a professional standing by to analyze your unique situation, develop a plan of action, and work with you one-on-one to restore your identity to pre-theft status. Visit your local branch, send us a digital banking message, or give us a call at 865-482-4343 to let us know if you suspect identity theft.

If you feel you have been a victim of identity theft you can also contact the FTC’s Identity Theft Hotline toll-free at 1-877-IDTHEFT (438-4338); by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or online.

Pay By Mail

Payments can be mailed to the address below:
Tennessee Members 1st FCU
PO Box 6828
Oak Ridge, TN 37831

Pay By Phone

Loan payments can be made over the phone by calling 865-482-4343.

From a TN Members 1st FCU Account

For a Bill/Payment Outside of TN Members 1st

You can set up payments directly from your Tennessee Members 1st FCU account using the Bill Pay feature in Digital Banking. Payments set up through Bill Pay can be one-time or recurring. Once logged in to your Digital Banking, click Bill Pay in the top navigation for specific Bill Pay information, FAQs, and to set up your payment(s).

For a TN Members 1st Loan Payment

You can transfer from your TN Members 1st account to a TN Members 1st Loan using the Transfer feature in Digital Banking. Transfers set up through digital banking can be one-time or recurring. Once logged in to your Home Banking, click ‘Transfers’ in the main navigation to set up specific transfers.

From a non-TN Members 1st FCU Account

You can make a one-time or recurring payment using a debit card or electronically using your account and routing numbers (which can be found on the bottom of your checks) with our Online Payment Portal.

Mobile deposit is available for all eligible checking accounts, but you must enroll first. Mobile deposit can only be done through the mobile app.

• Log in
• Select Deposit under your checking account OR select Deposit Check from the slideout menu in the mobile app
• Click Enroll Account and go through the sign-up steps
• Once your request has been processed and approved, tap Deposit a Check
• Enter the check amount
• Tap Continue
• Select the account to deposit to
• Take a picture of the front of the check and tap continue
• Take a picture of the back of the check and tap continue
• Verify the information and tap Submit

You can change your username or password at any time in digital banking. To change username:

• Log in
• Select your username icon in the top right corner or menu in mobile banking
• Select Settings and then select the 'Security' option on the left side menu
• In the 'Username' field select 'Edit'
• Enter your current password when prompted
• Change your username and select 'Save'

To change password:

• Log in
• Select your username icon in the top right corner or menu in mobile banking
• Select Settings and then select the 'Security' option on the left side menu
• In the 'Password' field select 'Edit'
• Enter your existing password, and then enter a new password
• Select Save