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Use our ATMs* to make deposits whenever it's convenient.

ATM Banking

Deposit checks
quickly and easily

Here's how to use Credit Union ONE's ATM Banking.

Home Equity Loan
Borrow up to 90% of your home's equity to help with major expenses

Flexibility and convenience


Any time of day or night, you can quickly deposit your checks using a Credit Union ONE ATM or any ATM in the CO-OP Network. It's easy to find one near you. Then follow a few easy steps to scan and deposit your check on the spot. 

Try ATM Banking today.
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How do I reset my Online Banking password?

You can change your Online Banking password by signing in to Online Banking and selecting Update Member Profile in the upper-right corner. Or you can select More Options on the left menu and then Member Profile. Then select Change Password.

What are your hours? 

Please visit our Locations & ATMs page.

How do I reset my 24-Hour Telephone Banking PIN?

For Telephone banking, call 800-423-3069 anytime. Select 1 for Telephone Banking and select 1 again for Account Information. Enter either your member number or full Social Security number. To set the PIN, you will need to enter the last 4 digits of your Social Security number. After you enter the number, the operator will respond and say “PIN has expired." Continue with the process. The operator will then request you enter a new PIN. If you forget your PIN or would like to change it, the Member Contact Center can reset the PIN back to the last 4 digits of your Social Security number, allowing you to choose a new PIN when accessing Telephone Banking again.

How do I become a member? 

You can become a member if you live, work, worship, or attend school in the state of Michigan. You can apply for membership online by following the "Join" link a the top of this page.  You can also visit a branch location to apply.

Can I open an account online?

New members can open accounts online. If you're an existing member, open new accounts through Online Banking.

Is my E-Statement secure and safe?
 

Your E-Statement is stored securely behind our Online Banking firewalls.

What is the minimum amount I can transfer between accounts?

The minimum transfer amount is $0.01 for internal or external transfers.

Where are your branches located? 

Please visit our Locations & ATMs page.

How do I navigate through Online Banking? 

Enroll in Online Banking by clicking Log In and then Register Now, following the prompts. Once in Online Banking, click on the gray tabs and select requested items from the menus. For account history, click on the account name from the Account Summary page. If locked out of Online Banking wait 10 minutes for system to be reset (only once per day) or contact Credit Union ONE at 800-451-4292.

What is the phone number for 24-Hour Telephone Banking? 

For Telephone banking, call 800-423-3069 anytime. Select 1 for Telephone Banking and select 1 again for Account Information. Enter either your member number or full Social Security number. To set the PIN, you will need to enter the last 4 digits of your Social Security number. After you enter the number, the operator will respond and say “PIN has expired." Continue with the process. The operator will then request you enter a new PIN. If you forget your PIN or would like to change it, the Member Contact Center can reset the PIN back to the last 4 digits of your Social Security number, allowing you to choose a new PIN when accessing Telephone Banking again.

I did not get my statement. Why? 

Paper statements can be mailed to your address on file for a $2.00 monthly fee. Statements can be retrieved online electronically by accessing Online Banking, clicking on the Accounts tab and clicking on e-statements. There is no fee for e-statements. Members can view and print statements in Online Banking.

Can I link my accounts to Quicken/Mint?

Online Banking is compatible with Intuit's Quicken and Quickbooks software as well as Mint.com. Features include managing and balancing accounts; budgeting and cash flow; debt reduction planning; and reviewing your entire financial portfolio. For more information on these products or for member support, please refer to the following links:  • Mint.com Help, • Quicken Technical Support; • QuickBooks Technical Support.

Where do I go online to open an account?

New members can open accounts online. If you're an existing member, open new accounts through Online Banking.

How do I become a member of Credit Union ONE?

 If you live, work, worship, or attend school in the State of Michigan, you are eligible for membership. You can apply online or by visiting one of our convenient branch locations.

How do I update my account information? 

You can update your account information by signing in to Online Banking and selecting the Profile Tab. From that menu, click on Update Profile.

How do I find a branch location near me? 

Please visit our Locations & ATMs page.

How do I enroll in 24-Hour Telephone Banking?
 

For Telephone banking, call 800-423-3069 anytime. Select 1 for Telephone Banking and select 1 again for Account Information. Enter either your member number or full Social Security number. To set the PIN, you will need to enter the last 4 digits of your Social Security number. After you enter the number, the operator will respond and say “PIN has expired." Continue with the process. The operator will then request you enter a new PIN. If you forget your PIN or would like to change it, the Member Contact Center can reset the PIN back to the last 4 digits of your Social Security number, allowing you to choose a new PIN when accessing Telephone Banking again.

How much can I transfer in a day?

  • Internal Transfers – no limit
  • External Transfers – maximum of $2,000.00 per transfer, up to $2,000.00 per day, and $5,000.00 per calendar month.

What money management software is compatible with your Online Banking? 

Online Banking is compatible with Intuit's Quicken and Quickbooks software as well as Mint.com. Features include managing and balancing accounts; budgeting and cash flow; debt reduction planning; and reviewing your entire financial portfolio. For more information on these products or for member support, please refer to the following links:  • Mint.com Help, • Quicken Technical Support; • QuickBooks Technical Support.

What are you membership requirements?

You're eligible if you work, live, attend school or worship in Michigan. If you have out-of-state ID, we will need proof you meet the requirements. For example, a paystub showing your employer is based in Michigan, a rental agreement or closing documents with your Michigan address or a school ID will suffice.

How do I  change my address?

You can update your account information by signing in to Online Banking and selecting the Profile Tab. From that menu, click on Update Profile.

How do I find a shared branching center? 

Please visit our Locations & ATMs page.

How do I reset my Online Banking password? 

We make it easy to enroll in Online Banking. For existing members who forget their username or password, click on "Forgot Username" or "Forgot Password" link to change them. The Member Contact Center can also reset existing enrollment to let you re-enroll and choose all new information. 

Is there a fee to make a transfer?

There is no fee for internal and member-to-member transfers.

There is no fee for inbound external transfers to Credit Union ONE.

Outbound external transfers from your Credit Union ONE account to another financial institution are $2.50 per transfer.

How do I make a payment using 24-Hour Telephone Banking? 

Loan payments can be made through Telephone Banking if the funds are coming from a Credit Union ONE account. If funds are coming from another institution, payments can be made through Online Banking. Payments can also be made by calling our Member Contact Center at 800-451-4292.

How do I find a shared branching center? 

Our Locations & ATMs page provides a full list. Shared branching allows Credit Union ONE members to use other non-Credit Union ONE credit unions to perform certain transactions. Credit Union ONE is required to perform the following transactions for guest credit union members:

• Account Inquiries
• Withdrawals
• Deposits
• Transfers
• Loan Payments
• Loan Advances
• Statement Prints

Any additional services offered are that discretion of Credit Union ONE. 

How do I recover my username? 

We make it easy to enroll in Online Banking. For existing members who forget their username or password, click on "Forgot Username" or "Forgot Password" link to change them. The Member Contact Center can also reset existing enrollment to let you re-enroll and choose all new information. 

Can I get a copy of my statement?

Paper statements can be mailed to your address on file for a $2.00 monthly fee. Statements can be retrieved online electronically by accessing Online Banking, clicking on the Accounts tab and clicking on e-statements. There is no fee for e-statements. Members can view and print statements in Online Banking.

How do I transfer funds to an external account?

Using Online Banking, click on "Transfers" from the main navigation bar and select "External Transfers." Follow the instructions to enroll a new external account. Trial deposits will be made to validate the external account to complete the enrollment.

How do I make a payment by phone? 

Loan payments can be made through Telephone Banking if the funds are coming from a Credit Union ONE account. If funds are coming from another institution, payments can be made through Online Banking. Payments can also be made by calling our Member Contact Center at 800-451-4292.

What transactions can I perform at a shared branching center? 

Our Locations & ATMs page provides a full list. Shared branching allows Credit Union ONE members to use other non-Credit Union ONE credit unions to perform certain transactions. Credit Union ONE is required to perform the following transactions for guest credit union members:
  • Account Inquiries
  • Withdrawals
  • Deposits
  • Transfers
  • Loan Payments
  • Loan Advances
  • Statement Prints
Any additional services offered are that discretion of Credit Union ONE. 

What are my options for receiving a statement?

Paper statements can be mailed to your address on file for a $2.00 monthly fee. Statements can be retrieved online electronically by accessing Online Banking, clicking on the Accounts tab and clicking on e-statements. There is no fee for e-statements. Members can view and print statements in Online Banking.

How do I transfer funds to another Credit Union ONE member?

You can transfer funds to another member from Online or Mobile Banking. From the main navigation menu, select "Transfers," then click "Transfer." Select the account the funds are transferring from, and select “To Another Member” under the "To Account" dropdown.
 
You can also call the Credit Union ONE Member Contact Center or visit a branch to transfer funds.

How do I enroll in Credit Union ONE Mobile Banking? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

What is the phone number for 24-Hour Telephone Banking?

800-423-3069
 

What is your routing number?

Our routing number is 272479841. Sign up for direct deposit by providing this number and your 10-digit account number to your employer. If the information is needed in writing, we are able to provide a direct deposit letter.

How do I change my address? 

In Online Banking, click on the Profile tab, and then Update Profile.  You can also visit a branch or call the Member Contact Center at 800-451-4292

How many transfers can I make from my Credit Union ONE savings account in a month?

Regulation D limits the number of electronic transactions from a savings account to six (6) per calendar month. This includes transfers made by phone, through Online Banking, and any deductions made by a third party. Online Banking shows the number of electronic transactions that have occurred to-date for the month. Any excess electronic transactions will be denied. A $30 overdraft fee may apply.

How do I use Credit Union ONE Mobile Banking? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

How do I set up direct deposit? 

Our routing number is 272479841. Sign up for direct deposit by providing this number and your 10-digit account number to your employer. If the information is needed in writing, we are able to provide a direct deposit letter.

I have moved and need to change my address?

In Online Banking, click on the Profile tab, and then Update Profile.  You can also visit a branch or call the Member Contact Center at 800-451-4292

How do I use mobile check deposit on Mobile Banking? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

What types of external transfers are prohibited?

International transfers, business account transfers, and joint owner transfers are prohibited.

Where can I find Credit Union ONE ATMs? 

Access the "Locations" link at the top of the page. You'll be able to search ATMs by street address or zip code.

How do I close my Credit Union ONE account? 
 

To close a Credit Union ONE account, members can visit any Credit Union ONE branch or call us at 800-451-4292 and a check will be mailed to the address on the account for any remaining balance payable to the member.

Where can I download your Mobile Banking app? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

How long does an external transfer take to process?

External transfers can be processed in up to two (2) business days.

Where do I go to find account info?

You can access your account through Online Banking, Mobile Banking, or Telephone Banking. Also, account information is available by calling 800-451-4292 or visiting a branch.

Do you have a mobile banking app? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

How do I set up alerts in Online Banking?

Alerts can be set up in Online Banking by accessing the Accounts tab and then clicking on Email/Text Alerts.

How do I set up text alerts in Online Banking? 

Alerts can be set up in Online Banking by accessing the Accounts tab and then clicking on Email/Text Alerts.

Does Credit Union ONE offer Wire Transfers? 
 

Credit Union ONE offers domestic wire transfer which must be done at a Credit Union ONE branch location; online wire transfers are not available.

How do I set up email alerts in Online Banking? 

Alerts can be set up in Online Banking by accessing the Accounts tab and then clicking on Email/Text Alerts.

What browsers work with Online Banking? 

Credit Union ONE's online banking is compatible with the newest versions of Google Chrome, Mozilla Firefox, Microsoft Internet Explorer and Edge, Apple Safari. Please check with the browser maker on upgrade instructions. The mobile banking application is only supported on Android and Applie iOS mobile devices.

How do I upgrade my browser to work with Online Banking? 

Credit Union ONE's online banking is compatible with the newest versions of Google Chrome, Mozilla Firefox, Microsoft Internet Explorer and Edge, Apple Safari. Please check with the browser maker on upgrade instructions. The mobile banking application is only supported on Android and Applie iOS mobile devices.

How do I set up alerts in Online Banking? 

Members can set up alerts within Online Banking. Once signed into Online Banking, click on the Accounts tab and then click on Email/Text Alerts. From the manage alerts list, click on the type of alert you want and enter your email address or mobile number to receive those alerts.

My family member has passed away. How do I close the
account with Credit Union ONE? 

The procedure to close a deceased member's accounts vary depending on if there were joint owners, a beneficiary, if it was a trust, etc. Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

How do I set up text alerts in Online Banking? 

Members can set up alerts within Online Banking. Once signed into Online Banking, click on the Accounts tab and then click on Email/Text Alerts. From the manage alerts list, click on the type of alert you want and enter your email address or mobile number to receive those alerts.

What do I need to close my deceased parents account?

The procedure to close a deceased member's accounts vary depending on if there were joint owners, a beneficiary, if it was a trust, etc. Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

How do I set up email alerts in Online Banking? 

Members can set up alerts within Online Banking. Once signed into Online Banking, click on the Accounts tab and then click on Email/Text Alerts. From the manage alerts list, click on the type of alert you want and enter your email address or mobile number to receive those alerts.

My friend has passed away and left me in charge of his affairs. How can I close his accounts?

The procedure to close a deceased member's accounts vary depending on if there were joint owners, a beneficiary, if it was a trust, etc. Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

I cannot access my Online Banking?

Members' loans that become delinquent past the 10-day grace period may have their services stopped until the loan is brought current. This includes Online Banking, Debit Card and Bill Pay. Once the loan payment is made, these services can be turned back on.

My Online Banking has been locked?

Members' loans that become delinquent past the 10-day grace period may have their services stopped until the loan is brought current. This includes Online Banking, Debit Card and Bill Pay. Once the loan payment is made, these services can be turned back on.

What browsers work with Online Banking? 

Browser information can be found on website > type browsers in search box > Credit union ONE Browser Support.  Browser requirements also found on last page of the Online Banking manual.  Browsers are Internet Explorer, Google Chrome, Safari, Firefox.

Do you offer medallion or signature guarantee?
 

Yes, but please confirm by calling 800-451-4292 to find out if the location you wish to go to has one available and what documents you need to bring. All parties who need the signature guarantee must be current members.

How do I upgrade my browser to work with Online Banking? 

Browser information can be found on website > type browsers in search box > Credit union ONE Browser Support.  Browser requirements also found on last page of the Online Banking manual.  Browsers are Internet Explorer, Google Chrome, Safari, Firefox.

How can I access my accounts after Credit Union ONE hours?
 

Access Telephone Banking at 800-423-3069. The menu options will be different for every member based on the products the member has with Credit Union ONE. Members will use their own unique SSN/TIN and PIN to access the system. Both English and Spanich are available.

*Deposits can be made at all Credit Union ONE branch ATMs except Royal Oak Beaumont.