Frequently Asked Questions
- 2026 BOD Nominations
- About TN Members 1st
- Account Questions
- Annual Meeting FAQs
- ATM Questions
- Audio Access Update FAQs
- Bill Pay
- Checking Questions
- Common Digital Banking Errors
- Community Day Participating Partners
- Community Giving Grants FAQs
- Debit Card Questions
- Digital Banking Access & Enrollment
- Digital Banking Alerts
- Digital Wallet
- Elan Card Conversion
- Elan Credit Cards
- eStatements
- External Accounts & 3rd Party Providers
- Financial Literacy Questions
- Food Drive with Second Harvest of East Tennessee
- General Product and Service Questions
- Home Banking Questions
- Loan and Credit Questions
- Logging in to Digital Banking
- Member Assistance
- MiniBranch
- Miscellaneous Questions
- Nudge Money
- Remote Deposit
- Roth IRA Questions
- Security Questions
- Share Certificate Questions
- Share Certificates
- Shared Branching IDCheck FAQs
- Transfers & Transactions
- Travel
- Updating Information in Digital Banking
ATM Questions
Members can use our Oak Ridge, Knoxville, and Methodist Medical Center ATMs at no charge. You can also use any MoneyPass or CO-OP ATM at no charge. If you are using an out-of-network ATM (anything that is not a TN Members 1st ATM, MoneyPass ATM, or CO-OP ATM) you may end up paying fees to both TN Members 1st FCU and the ATM Owner. Learn more about finding a surcharge-free ATM near you by visiting our ATM information online.
No, there is no fee for your first ATM card or cards reissued due to natural expiration. There is a fee to replace lost/damaged plastic cards. See our Fee Schedule for the most up-to-date information.