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Frequently Asked Questions

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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  change my address?

You can update your contact information by signing in to Online Banking or Mobile app and selecting the “Settings” menu widget, then “Contact” tab.  You may update your home address, contact phone numbers, and email address.

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.

How do I dispute an ACH/automatic payment?

Members can submit a dispute request for an ACH/ Auto Pay that they did not authorize by contacting Credit Union ONE at 800-451-4292 or visiting any Credit Union ONE branch. If doing this in person, you need to report the activity with the proper form attached with the transaction information. This form is then sent to Accounting Department for processing.

How do I update my contact information? 

You can update your contact information by signing in to Online Banking or Mobile app and selecting the “Settings” menu widget, then “Contact” tab.  You may update your home address, contact phone numbers, and email address.

I'm a student. Is there anything special for me?

Yes, if you are under the age of 24, there is no monthly maintenance fee for the Cash Back checking account. Also, you will receive all standard benefits, which include earning cash back against certain debit card transactions.

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.

There is a deduction for an insurance premium on my account that is not mine?

Members can submit a dispute request for an ACH/ Auto Pay that they did not authorize by contacting Credit Union ONE at 800-451-4292 or visiting any Credit Union ONE branch. If doing this in person, you need to report the activity with the proper form attached with the transaction information. This form is then sent to Accounting Department for processing.

What happens to my points if I close my account?

Points, if eligible, may be redeemed by you and paid to the account the day you close your account. Your accounts must be in "good standing" to redeem your points. Rewards and points are not paid and are forfeited if account is closed by Credit Union ONE for any reason.

What is a Garnishment?

A garnishment is a court order whereby a member's property or money are in possession or under control of another and applied as payment for their debt to a third party. A levy is a proceeding in which money is obtained for the payment of taxes that are past due. When members are served with a garnishment or levy, they must call and email Admin Services with the information and fax the documents to 248-584-5446. If the member questions a garnishment or levy, they can contact the filing court, the IRS, or the State of Michigan to file an objection. A phone number of the attorney will be in the account notes. By law, Credit Union ONE must follow the garnishment/levy orders.

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.

Can I open an account online?

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

How do I open an account online?

Credit Union ONE now offers online account opening and funding. You can open an account online and fund it with a bank checking or savings account or a credit or debit card.

What is the minimum amount to open an account?

There is no minimum to open a Cash Back Checking account. You'll need $25 to open a Basic Checking account. There is no minimum for savings accounts.


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 can I get the lien released on my car?

The release of lien will be mailed to the address on file after 5 business days of the loan payoff. You can also contact Member Contact Center at 800-451-4292 to request a release of lien be mailed, emailed, or faxed.

How do I apply for a boat, motorcycle, or recreational vehicle loan?

Get all the details about Vehicle Loans online.

I am in the market for a new car, what are your current rates?

View our Rates page.

My car is being repossessed what can I do to stop it?

Visit a branch or call the Member Contact Center at 800-451-4292 or If a member's loans are past due, up for repossession or charged off, the loan can be reviewed by the Credit Solutions Department.

What types of boats will you finance? 
 

We finance pontoon, deck, ski, bow rider and other fishing boats. We do not finance high-performance boats, cruisers or Jet-Skis. Read more on our Boat Loans page.  

What types of motorcycles will you finance? 
 

We finance street bikes and three-wheeled bikes. We do no finance custom choppers or high-performance street bikes. Learn more on our Motorcycle Loans page.

What types of RVs will you finance? 
 

We finance Class A and B, Class C, Fifth Wheel, Travel Trailers and Pop-Up Campers. Lean more on our RV & Camper Loans page.

A check was issued through Bill Pay and the merchant did not receive the check. What do I do?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

Are my payments stored in Bill Pay?

Yes, navigate to the “History” tab from Bill Pay widget to review bill payment history.  Sort history by date, amount, or other filters.  Download or print history options are available.

Can I set up a recurring payment in Bill Pay?

Yes, from the “Bill Pay Dashboard” select the payee you wish to pay.  Under the Make a Payment area, choose the recurring Frequency from the dropdown menu that you would like to pay the payee.  Complete the remaining information requested in this area and “Submit Payment”.

How do I pay a bill in Digital Banking?

  1. Log In to Digital Banking
  2. Locate and click the "Bill Pay" menu widget
    Bill Pay
  3. Agree to Bill Pay disclosure and click "Continue"
  4. Click "Add Payee/Manage Payees" and choose whether you’re paying a business or a person.  Click "Next"
  5. Enter requested payee and account information
  6. Click "Save/Continue"
  7. Complete verification process
Once the payee is set up, select the payee from the “Bill Pay Dashboard” page, confirm the Pay From account to pay the bill, enter the Amount you wish to pay, determine the payment Frequency, select the date you wish the payment to be delivered on, and click “Submit Payment.” Note that it takes up to 2 business days to deliver an electronic payment and 4 business days to deliver a paper check payment.

How do I stop a payment on a Bill Pay check?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

How long does it take to pay a bill using electronic Bill Pay?

Payments will reach the payee within 2 business days, and will be deducted from your checking account at the time the payment is sent.

I set up a Bill Pay in Online Banking, but it didn’t get paid. What happened?

Verify the payment was made by clicking on the “History” tab from Bill Pay widget and review listed historical payments information and status.  If you find a payment did not occur, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

Who can I pay using online bill pay?

With Credit Union ONE’s Bill Pay, members enjoy ease in making payments to merchants, service providers, or people. Payments can be made electronically (if merchant/service provider is in our payee database), or by paper check (used for people or service providers; requires manual entry of address).

Are there service fees associated with Cash Back Checking?

The $6.00 monthly maintenance fee is waived each month that one of the following is met: 
  • Under age 24, over age 65
  • Direct Deposit 
  • $500 monthly average balance
  • A combination of 15 Debit Card purchases or Bill Payments per month**

**Debit Card Purchase must be posted to the account by the 25th of each month. Excludes ATM transactions.


How can I close my Certificate of Deposti (CD)?

Members can close their CDs at any Credit Union ONE branch or by calling Member Contact Center 800-451-4292.

How do I open a Certificate of Deposit (CD)? 

Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu.

My Certificate of Deposit (CD) is matured and I would like to transfer the funds to my
checking account.

Members can redeem their CDs at any Credit Union ONE branch or by calling Member Contact Center 800-451-4292.

What are your Certificate of Deposit (CD) rates and terms?

Our latest CD rates and terms are available online.

What is a Certificate of Deposit (CD)?

Our Certificates of Deposit page explains all the details, and how to open this account.

Can I place a stop payment on a check?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

Can I transfer from a Basic Checking to a Cash Back Checking account?

Basic checking members are eligible to apply for Cash Back Checking once Basic Checking is maintained in good standing for 12 months.

How do I open a checking account?

You can open your checking account online or by visiting one of our branch locations.

How do I order checks? 

After your first checkbook order has been successfully placed and received, you may then place successive orders online through Online Banking. Once signed in, select Checking, and Order Checks.  Make sure you are allowing "pop-ups" for this process.

How do I release a check with a hold? 

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. [links to Branches] Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $225 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

How do I report fraud on my account?

Visit any Credit Union ONE branch or call the Member Contact Center at 800-451-4292.

How do I verify if a check has cleared?

Verify if checks have cleared by using Online Banking, Mobile Banking, 24-Hour Telephone Banking, by calling our Member Contact Center at 800-451-4292 or by visiting a branch.

My checks were lost / stolen what can I do?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

Who do I send a request to for a Verification of Deposit?

Verification of Deposits are processed by the Admin Services department. Members and merchants can fax the VOD form directly to the Admin Services Department, or mail to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220.

How do I build credit? 

A steady, disciplined approach will gradually increase your credit score over time, allowing you to secure lower rates on future loans. Learn more about managing your credit. 

Find out all you need to know about the Credit Builder loan online.

Do my Rewards Points expire?

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

How can I see and redeem my Rewards Points?

Credit Rewards
  • Login to Online Banking
  • Navigate to the Card Services Widget
  • Click Rewards
  • Complete profile information if requested
  • Choose Redeem and pick between Cash back, merchandise, gift cards, or travel

How do I apply for a credit line increase? 

You can apply for a credit limit increase in any of the following ways:

Online at www.cuone.org
  • Step one: click “borrow” or “apply for a loan”
  • Step two: click “apply for credit card”
  • Step three: click  “Credit Limit Increase”
Digital Banking
  • Quick Apply Widget/Link
  • Choose Credit Cards
  • Choose Credit Limit Increase

Visit a Branch 

Call 800-451-4292 and speak to a Credit Union ONE Representative


How do I make a payment? 

  • Credit card payments may be completed by:
    • Completing a funds transfer from other Credit Union ONE accounts inside Online or Mobile Banking
    • Clicking the Credit Card Services Widget in Online Banking, and then the Make A Payment link. Payments initiated here may be from other financial institutions, automatic, or set future payments
    • Calling Credit Union ONE at 800-451-4292
    • Calling the PSCU contact center at 866-565-6171

How do I report a lost or stolen Mastercard® Credit Card?

A lost or stolen credit card may reported by dialing 866-565-6171 or 800-449-7728, available 24 hours a day.  A replacement card may be obtained.

How do I report fraud or dispute a charge? 

If you experience fraud or are disputing a charge on your Credit Union ONE credit card, dial 866-565-6171 or 888-918-7341 to report the issue.  Hours of operations are (Monday thru Friday 7am to 10 pm est- Saturday 9am to 6pm est).

How do I transfer a balance? 

  • Log into Online Banking, select Credit Card Services, click the "Balance Consolidation" link, and enter your balance transfer information.
  • Call PSCU at 866-820-3867 to request a balance transfer anytime, 24/7. 
  • Visit a Credit Union ONE branch or call us at 800-451-4292. 

How long will it take to pay off my credit card balance?


How many Reward Points will I earn for every dollar I spend?

Earn 1 point for every $1 spent with your Achieve Rewards Credit Card.

What can my Reward Points be redeemed for?

Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

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. 

What are your hours? 

Please visit our Locations & ATMs page.

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.

Where are your branches and ATMs located? 

Please visit our Locations & ATMs page.

Can I use my debit card when I go out of town?  

Yes, but you should inform Credit Union ONE with a Travel Notification.  Transactions are blocked when fraud is detected on your debit card and Travel Notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent.  

You can complete a Travel Notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.

Do my Rewards Points expire?

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

How can I get overdraft protection on my checking account?

Members can opt in to REG E for overdraft protection for their debit card transactions. If funds are not available in the member's account when the card is swiped, the transaction will be approved and will overdraw the account for a $25.00 fee. Members can opt in or opt out at any time.

How can I see and redeem my Rewards Points?

Check and redeem Debit Rewards points in Online or Mobile Banking through the Debit Rewards Widget.
 

How do I activate my Platinum Debit Mastercard?

Call the phone number on the sticker on the front of the new card or call Credit Union ONE Member Contact Center at 800-451-4292 or visit any Credit Union One branch.

How do I get a new Platinum Debit Mastercard?

Replacement debit cards can be instant-issued at the branch; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS; fee is $5.00.  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00.

How do I report a lost or stolen debit card?

You can call our Lost or Stolen Debit Card line at (800) 449-7728, 24 hours, 7 days a week. This will put you in touch with Card Member Security. Use the automated system to report your lost or stolen card.

How do I set my PIN?

To change your pin, call our PIN NOW number 888-886-0083 and follow the prompts.  Or visit any Credit Union ONE ATM.

How does Credit Union ONE protect my debit card transactions from fraud?

  • Credit Union ONE is committed to protecting your accounts and monitors all debit transactions for fraud 24/7. If fraud or unusual activity is suspected, our automated  fraud alerts allow you to instantly respond to suspected fraud on your account via text, Digital Voice or email.

How many Reward Points will I earn for every dollar I spend?

Earn 1 point for every $3 spent with your Cash Back Checking Account Platinum Debit Card.

I need to do a transaction with my debit card but the funds are not in my account.  Will it be paid?

You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.

What can my Reward Points be redeemed for?

Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

What do I do if my debit card is inactive? 

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once within a 12 month period. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

How do I set up direct deposit? 

The direct deposit letter can be printed and sent to you to give to employer. Call the Member Contact Center at 800-451-4292 or visit a branch.  Auto pay is also set up through the Member Contact Center or by visiting a branch. You can use Online Banking to set up scheduled payments or recurring external transfers.

What information do I need to provide my employer to set up direct deposit?

Please give your employer your 10-digit account number (not your member number) along with the routing number of 272479841. If your employer requires a letter, please contact us at 800-451-4292 or stop by a branch.

Do you offer financial planning services? 

The Hantz Group has partnered with Credit Union ONE to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

What are the benefits of financial planning services? 

The Hantz Group has partnered with Credit Union ONE to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

What is Hantz Group? 

The Hantz Group has partnered with Credit Union ONE to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

What are the benefits of a VA loan? 

Our VA Loans page  provides all the details about this option.

What are the benefits of an Equity Advantage Loan? 

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Equity Advantage is for borrowers who own their home free and clear or plan to pay off their mortgage with the proceeds from the equity loan. A Home Equity Loan allows you to have two liens against your home while an Equity Advantage only allows you to have one. The benefit of the Equity Advantage is it allows you borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section. 

What is an Equity Advantage Loan? 

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Equity Advantage is for borrowers who own their home free and clear or plan to pay off their mortgage with the proceeds from the equity loan. A Home Equity Loan allows you to have two liens against your home while an Equity Advantage only allows you to have one. The benefit of the Equity Advantage is it allows you borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section. 

What is the difference between a Home Equity Loan and an Equity Advantage Loan? 

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Equity Advantage is for borrowers who own their home free and clear or plan to pay off their mortgage with the proceeds from the equity loan. A Home Equity Loan allows you to have two liens against your home while an Equity Advantage only allows you to have one. The benefit of the Equity Advantage is it allows you borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section. 

What is the difference between a traditional mortgage and an FHA?

Our Home Mortgages page explains the details of our various mortgage options.

Who is eligible for a VA loan? 

Our VA Loans page  provides all the details about this option.

Who is eligible for an FHA mortgage?
 

Our FHA Loans page provides all the details about this option. 
 

Do you offer IRAs? 

Credit Union ONE does offer Traditional IRAs, Roth IRAs, Rollover IRAs, and Spousal IRAs.

What IRAs do you offer? 

Credit Union ONE does offer Traditional IRAs, Roth IRAs, Rollover IRAs, and Spousal IRAs.

Do you offer AD&D insurance?

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly. 

Do you offer CLCD Insurance? 

Yes, learn more about Credit Life & Credit Disability Insurance online. Members should purchase both insurances for peace of mind. The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disability Insurance will make the payments in the event the member becomes disabled. 

Do you offer GAP insurance? 

Yes, learn more about Guaranteed Asset Protection (GAP) insurance online. To apply for GAP insurance, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch.

What is Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

How can I change the due date of my loan payments?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

How can I get more loan coupons?

Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.

How can I obtain a letter of guarantee?

Please visit a branch location of call the Member Contact Center at 800-451-4292 for more information.

How do I apply for a mortgage? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I check my loan status?

Check your status by logging in to Online Banking; setting up alerts in Online Banking; accessing Telephone Banking or Mobile Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

How do I check the status of my mortgage application? 

Status can be checked by calling your loan representative or 800-451-4292.

How do I close a loan with Credit Union ONE?

Loan closing can be done at any Credit Union ONE branch. Some loans can also be closed electronically.

How do I pay off my loan? 

Loan payoff amounts for same day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. Call the Member Contact Center at 800-451-4292 or visit a branch.  Payoffs can be mailed to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220. 

How do I refinance my mortgage? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

I can't make the payment by the due date, what can I do?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.


I made my payment and I was charged a late fee. Why?

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed. 

What is needed to pay off a loan and receive an immediate release of lien?

You'll need to use a cashier’s check, wire transfer or cash. Any other payment method and the title will be released after five business days.

What is the payoff on my loan?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

What types of business loans does Credit Union ONE offer? 
 

Credit Union ONE offers a variety of loans for business equipment purchases, commercial real estate financing, lines of credit and business credit cards. Call (800) 451-4292 during business hours for more information.

Where can I find transaction history for my loan? 

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. In Online Banking, simply click on the loan in question.

Where do I find information on my loan title?

Michigan is not a title holding state. Titles that are issued in the state of Michigan will be mailed to you once the Credit Union ONE lien is placed on it. If  a vehicle is titled out of state and that state is a title holding state, then the members title will be held at Credit Union ONE until the loan is paid in full.

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.

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.

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.

How do 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.

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 is a money market account?

Our Money Market Account page explains all the details and how to open this account.

Do you notarize? 

Credit Union ONE offers Notary services for members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

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 Spanish are available.

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.

How do I enroll in Online Banking? 

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.

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, use the menu widgets on the left-hand side to choose a feature you would like to use.  Watch this Online Banking Navigation Video to learn more.

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. 

How do I reset my Digital Banking password?

You can change your Digital Banking password by signing in to Online Banking or Mobile app and selecting the “Settings” menu widget. Navigate to the “Security” tab. Then select the pencil icon to change Password.

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.

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 Microsoft Edge, Google Chrome, Safari, and Firefox.

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.

Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap “Sign up now” to register. Once registered all available options for the mobile app will be displayed through the widgets menu. 

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 browsers work with Online Banking? 

Credit Union ONE's Online Banking is compatible with the newest versions of Google Chrome, Mozilla Firefox, Microsoft Edge, and Apple Safari. Please check with the browser maker on upgrade instructions. The Mobile app is supported on Android and Apple iOS devices.

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.

Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap “Sign up now” to register. Once registered all available options for the mobile app will be displayed through the widgets menu. 

How do I enroll in overdraft protection?

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

What do I do if I have overdrawn my account? 

If you are enrolled in overdraft protection, you will be assessed a $25.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

How do automated fraud alerts work?

If suspicious activity is detected on your account, you'll instantly get an automated fraud alert via text. If we're unable to reach you through text, a Digital Voice alert will be sent to your mobile phone, home phone and email. 

Automated fraud alerts allow instant two-way communication to quickly address questionable card activity. Confirm a valid transaction or stop a fraudulent one through simple 
text commands. 

Is my E-Statement secure and safe?

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

Do you offer student loans? 

Credit Union ONE no longer offers student loans.

Please note the following for existing student loan borrowers:
  • Student loan applications with contingent approvals will continue to be processed and funded
  • Existing borrowers can visit the UAS website  to access information about their account
  • Scheduled disbursements on active lines of credit will be honored by Credit Union ONE
  • CU Student Choice will continue to service and assist existing student borrowers

How do I obtain my previous year tax information (1099 Form)?

If you earned $10 or more in interest in the previous year, you were mailed a 1099-INT form at the end of January. If you need another copy of your 1099-INT, please visit one of our branches. If you earned less than $10 in interest in the previous year, you will not receive a 1099-INT. However, the interest you earned is listed in your December statement, which can be viewed in Online Banking.

Do you offer AD&D insurance?

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly. 

Do you offer CLCD Insurance? 

Yes, learn more about Credit Life & Credit Disability Insurance online. Members should purchase both insurances for peace of mind. The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disability Insurance will make the payments in the event the member becomes disabled. 

Do you offer GAP insurance? 

Yes, learn more about Guaranteed Asset Protection (GAP) insurance online. To apply for GAP insurance, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch.

What is Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

What is the difference between a Freedom ONE and Freedom Access personal loan?

Freedom ONE is a closed-end term loan. Freedom Access is an open-end line of credit. 

What is the difference between a loan and a line of credit? 

Freedom ONE is a closed-end term loan. Freedom Access is an open-end line of credit. 

What is the difference between a secured loan and an unsecured loan?

A car loan and mortgage are the most common types of secured loan. An unsecured loan is not protected by any collateral. If you default on the loan, the lender can't automatically take your property. The most common types of unsecured loan are credit cards, student loans, and personal loans.

What is the difference between an open ended and closed ended loan? 

Freedom ONE is a closed-end term loan. Freedom Access is an open-end line of credit.