1st Midamerica
1st Midamerica supports FedNow. RTP and Zelle participation has not been confirmed.
Bethalto, IL · NCUA Charter #63932
http://www.1stmidamerica.org731 E Bethalto Dr, Bethalto, IL, 62010
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Community confirmations
- 0
Submit Route Report
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Report early direct deposit
Did a paycheck or benefit show up early at 1st Midamerica?
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Sending from 1st Midamerica
Rails observed when 1st Midamerica was the sending bank.
No sending reports yet for 1st Midamerica. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into 1st Midamerica
Rails observed when 1st Midamerica was the receiving bank.
No receiving reports yet for 1st Midamerica. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does 1st Midamerica support FedNow?
Yes. 1st Midamerica appears in Federal Reserve's FedNow participant list, confirmed July 9, 2026.
Does 1st Midamerica support RTP?
This hasn't been confirmed. 1st Midamerica does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does 1st Midamerica support Zelle?
This hasn't been confirmed. 1st Midamerica does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does 1st Midamerica have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for 1st Midamerica yet.