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Never pay another overdraft fee!

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Enjoy free Member Overdraft Protection with Cash Back Checking.*

We are excited to announce that we have eliminated overdraft fees and are introducing our new Member Overdraft Protection for your Credit Union ONE Cash Back Checking account!

Enjoy extra peace of mind with up to $1,000 of overdraft protection for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions. This protection can be extended to one-time debit card and ATM transactions if you opt in, too.

At Credit Union ONE, we believe in prioritizing the needs and savings of our members. And since our members are also our owners, eliminating overdraft fees just makes sense! 

Member Overdraft Protection is available for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.  Member Overdraft Protection is also available for one-time debit card and ATM transactions if you opt-in.  This program is designed to protect you in the event you overdraw your account.  Our Member Overdraft Protection may save you the inconvenience of having your checking account transaction declined when there are insufficient available funds in your account.

For a complete description of Member Overdraft Protection, please refer to the “Overdrafts and Non-Sufficient Funds” section of your Membership and Account Agreement.
 

Image supporting Credit Union ONE Cash Back Checking Account

Credit Union ONE Cash Back Checking Account

Every debit card purchase puts you closer to a wider range of rewards. 

And now you can enjoy extra peace of mind with up to $1,000 of overdraft protection for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.

With a Cash Back Checking Account, you can earn rewards like cash, gift cards, merchandise, and travel deals by using your Platinum Debit Mastercard®.  We believe our Michigan members deserve a checking account that rewards everyday activity and meets all their needs, including the anytime access to manage money online and via mobile device. Cash Back Checking takes your checking to the next level. Open an account online or visit us at one of our branches.

To learn more, or to apply for a Cash Back Checking account click here. 

Image supporting Increase your safety net.

Increase your safety net.

Build a safety net in case you overdraw your Credit Union ONE Checking account.

A Freedom Access Line of Credit can be set as a backup on your Cash Back Checking Account.

A line of credit designed to fit your needs
  • Borrow between $500 and $10,000
  • Transfer funds through Online Banking to your Credit Union ONE personal account for quick, anytime access
  • Pay interest only on the money you use
Comparing a money market account to other savings options

Funds are always on hand.

If you have a large expense or project in the works but aren't sure how much money you need, or want to build a safety net in case you overdraw your Credit Union ONE Checking account, our Freedom Access personal line of credit can be the answer. Our Michigan members access money from this line as quickly and conveniently as they would a credit card, with just as much flexibility for how to use the money. Anything you can dream of can be financed using Freedom Access.

Apply now by clicking here.
We’re here to help you find the deposit options that best fit your financial needs.
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Call us at 800-451-4292.
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*Member Overdraft Protection (MOP) is a discretionary service provided as a courtesy to members who meet eligibility requirements. It is not a credit product nor an extension of credit and Credit Union ONE reserves the right to add or remove eligible accounts. If a covered transaction is presented for payment and the eligible account does not have enough funds available, MOP will cover the transaction and take your account into the negative. You then have 15 days from the date of the transaction to bring the balance positive to avoid suspension of MOP and other restrictions on your accounts. 

This service is optional. For a full description of Member Overdraft Protection, please refer to the “Overdrafts and Non-Sufficient Funds” section of your Account Agreement and Disclosures.

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