FAQs

Credit Union ONE does not offer Savings Bond cashing services. You can cash in your Savings Bond through the US Treasury by going online to https://www.treasurydirect.gov/savings-bonds/cashing-a-bond/#id-paper-ee-or-i-savings-bonds-185504 and following the provided instructions.

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.

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. 

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.

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.

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.

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. 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.

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.

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.

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.

Points, if eligible, may be redeemed by you and paid to the account prior to closing the account (allow 2-5 business days for payout to process). 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. 

You can add a beneficiary at the time of account opening either in-branch or online. At anytime you may visit any Credit Union ONE branch or call us at 800-451-4292 to add a beneficiary to your account. 

A beneficiary must be 18 years of age or older. You may designate your trust as the beneficiary. 

We accept following forms of identification to access accounts and/or perform transactions: 

• State ID Card
• State Driver's License
• Passport
• Military ID Card
• Detroit ID
• Matricula Card

Your account number is different from your member number. Here are two easy ways to access your account information.

1. In the Credit Union ONE mobile app, select the account you need the information for. Once the account page opens, select the Show Details button.
2. If you’re online, log into digital banking and select your account. Under the account nickname, you will find your 10-digit account number, which is partially obscured for security reasons. Click the eye icon to reveal the hidden numbers. For more information, select Account Details.

Once you've gathered your information, you can set up your direct deposit. 

Check out our How to Find Account and Routing Numbers video for more information. 

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.

New members can apply for membership online or visit a Credit Union ONE branch. If you're an existing member, open new accounts through Online Banking by signing in here. 

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.

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.

Please contact our Credit Solutions Team by calling 800-451-4292 and following the phone prompts, and a representative will assist you with any questions. 

You can apply online here. Click here for more details about boat, motorcycle, or recreational vehicle loans.  

View our Rates page. 

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.

We finance street bikes and three-wheeled bikes. We do not finance custom choppers or high-performance street bikes. Learn more on our Motorcycle Loans page.

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

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

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.

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”.

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

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.

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).

1. Log In to Digital Banking

2. Locate and click the "Bill Pay" menu widget

3. Agree to Bill Pay disclosure and click "Continue"

4. Click "Add Payee" and choose whether you’re paying a business or a person.  Click "Next"

5. Enter requested payee and account information

6. Click "Add Payee".

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. 

 

 

Stop Payments can be completed by contacting Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

Yes, contact Treasury Management at [email protected]

You can use our Treasury Management ACH Origination Services to electronically deposit funds into their account as soon as the next day.

Yes, we offer Positive Pay for Checks which compares the checks you issue with the checks that come through your account. You will receive an email if there are any that don't match, and we will return that check.

Yes, we offer Business Remote Deposit Capture, which is a deposit scanner that sets on your desk and you can make your deposits right from your home or office.

Yes, since you are a signer on both accounts you would be able to view them all.

Yes, our business online banking system allows for you to set up sub-users with specific permissions.

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

Conveniently open a Certificate of Deposit in online banking by logging in and selecting 'Open an Account'. You may also call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

Our latest CD rates and terms are available online.

A certificate of deposit (CD) is a savings product that earns interest on a fixed amount of money for a fixed period of time. CDs differ from regular savings accounts because the money must remain untouched until the maturity date or risk penalty fees or lost interest. Learn more on our Certificates of Deposit page.

Verification of Deposits are processed by the Loan and Administrative Services department. Members and merchants can fax the VOD form to 248-584-5446, or mail to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220.

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.

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 Additional Services tab, clicking on Check Services, then Stop Payment, then New Stop Payment Request and completing the requested check information.

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

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 Check Services and Reorder Checks. Make sure you are allowing "pop-ups" for this process.

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

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

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

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

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.

Login to Digital Banking

Select Cards

Select Credit Card Services

Select Statements

Open or download a PDF version of a recent credit card statement

Typically, the credit card cycle ends on the 2nd of the month. Payment due date is the 27th of the month. 

After your promotional rate has expired, the rate reverts back to the contracted annual percentage rate.  Note that the annual percentage rate will vary with the market based on the prime rate.

A balance transfer fee is a finance charge paid in advance and displays as interest on the credit card statement.

Credit Union ONE has contracted with the credit card transaction processor, Payment Systems for Credit Unions (or PSCU) to handle inquiries related to Credit Union ONE credit cards.  Credit card support, disputes, lost or stolen, and fraud related inquires may be discussed with a representative from PSCU.

A lost or stolen credit card may be reported by dialing 866-565-6171, available 24 hours a day or logging into digital banking and accessing the Card Management widget. 

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).

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.

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

 

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

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

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

Log into Digital Banking, select Credit Card Services, click the 'Balance Transfer' link, and enter your balance transfer information.

Log into Digital Banking, select Card Management, select the credit card to transfer balance to, click 'Balance Transfer' and enter the required 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. 

You can utilize our credit card payoff calculator here to see what it will take to pay off your credit card balance and what changes can be made to meet your repayment goals. 

• Login to Digital Banking
• Navigate to Credit Card Services
• Complete profile information if requested
• Click on Rewards Points displayed
• Choose Redeem and choose between cash back, merchandise, gift cards, or travel
• Watch our video How to Redeem Your Rewards Points here.

Shared Branch members are required to have their membership number as well as a current (not expired) form of identification such as a Driver's License, State ID or passport.

Credit Union ONE is a part of the Shared Branching network, however if you're a member to a different credit union you will want to make sure your credit union is a participating institution before coming in to do a transaction. You can do so by searching the name of your Credit Union on the official Shared Branch Locator site https://co-opcreditunions.org/locator/?t=3

Please visit our Locations & ATMs page.

Please visit our Locations & ATMs page.

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. 

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.

Your daily debit card limit is $5,010 for purchase transactions and $1,010 for ATM cash withdrawals.  

Contact Credit Union ONE at 800-451-4292 if you need to discuss a temporary change in transaction limits 

Yes

Yes, a 1% foreign transaction fee will apply to purchase transactions completed outside the United States. A $1.50 transaction fee will apply to ATM transactions outside the United States. Additionally, the owner of the ATM may charge a surcharge fee for use of that ATM.

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.

 You may call our lost or stolen debit card line at 800-451-4292. Debit cards may also be reported as lost/stolen in Online or Mobile Banking under Card Management. 

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

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

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.

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

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.

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.

Check and redeem Debit Rewards points in Digital Banking by selecting Cards, then Debit Rewards.

For additional information, please watch our How to Redeem Your Rewards video.

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.

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

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.

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.

Once your direct deposit hits your account, you can use Online Banking to set up scheduled payments or recurring external transfers.

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.

To protect yourself from fraud and scams it is important that you stay alert. Check your accounts often and be sure to report any unrecognized transactions. You can also stay up to date on common scams by watching/reading the news and using other resources provided by agencies such as the FBI, FTC and Social Security. Learn more here at our Security center. 

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. 

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

The way you've handled your finances in the past can help predict how you may do so in the future, so lenders will consider your credit rating when you apply for a mortgage or other loan. A higher credit score may help you qualify for a better mortgage interest rate, and some lenders may lower their down payment requirement for a new home loan if you have a high credit score.

Credit Union One works with their partner Member First Mortgage for loan servicing. *Credit Union One does have the right to sell servicing of our loans.

Payments can be made a variety of ways including through your Credit Union ONE online banking portal, setting up automatic payments, direct mail to 400 E Nine Mile Rd Ferndale MI 48220, bill pay, or by phone at 800.451.4292.

For those who qualify, VA loans allow for 0% down payment, lower interest rates, limited closing costs and no private mortgage insurance(PMI). You can also use the guaranty multiple times. To learn more about VA loans click here.

A Max Refi loan is a closed-end/term loan with a fixed rate. This is for borrowers who own their home free and clear or plan to pay off their current mortgage with the loan proceeds. This allows you to borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section.

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Max Refi 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 a Max Refi only allows you to have one. Read more in our Home Equity section.

FHA and conventional loans are two types of mortgage loans that differ in their requirements and costs. FHA loans are insured by the federal government and offer lower down payments, lower credit scores, and more flexible income and credit guidelines. FHA loans require mortgage insurance for the life of the loan regardless of loan to value. Conventional loans are not insured by the government and typically have higher down payments, higher credit scores, and lower mortgage insurance rates. Conventional loans can also end mortgage insurance once the loan-to-value ratio reaches 78%. Learn more from our Home Mortgages page.

Active service members, veterans, national guard and reserve members as well as some surviving spouses who are eligible for VA benefits. Click here to check your eligibility status. 

 

 

FHA loans are unique in that they offer opportunities to potential home buyers who have had previous financial difficulties, such as past due collections, bankruptcy, and foreclosures. This loan has the lowest credit score requirement and the highest debt-to-income ratio eligibility. FHA loans also offer lower down payment options. To learn more about FHA loans click here.

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

To file a claim for credit life, credit disability, guaranteed asset protection and/or mechanical repair coverage please call TruStage 800 752-6265.

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismemberment (AD&D). Enrolling must be done by contacting TruStage directly at 855 591-9026.

Credit Insurance coverage helps reduce or payoff the covered loan up to the policy maximum after a covered injury or death.  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 sick or injured. Learn more about Credit Life & Disability insurance.

Guaranteed Asset Protection (GAP) is intended to reduce or eliminate the gap between what the vehicle insurance will pay and what is owed on the loan, if the vehicle is deemed a total loss due to accident or theft.  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.

Mechanical Repair Coverage (MRC) helps cover repair costs on new and eligible used vehicles — even after the manufacturer’s warranty expires.Our Mechanical Repair Coverage page explains all the details.

Please contact our Member Contact Center by chatting us here or calling 800-451-4292 to obtain a loan payoff that is not being paid off same day.

Payoffs can be mailed to: 

Credit Union ONE

400 E. 9 Mile Rd

Ferndale MI 48220 

Credit Union ONE

400 E. 9 Mile Rd

Ferndale MI 48220 

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.

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.

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.

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.

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.

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.

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.

Please call the Member Contact Center at 800-451-4292 for more information.

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. 

Status can be checked by logging in to the Borrower Portal, calling your loan representative or 800-451-4292. 

Same-day loan payoffs include the total amount of principal and interest owed as of the current date. This can be found in digital banking or using 24-Hour Telephone Banking. 

Step 1. Login to digital banking

Step 2. Select your loan.

Step 3. Click ‘Show Details’ at the top of the screen.

Step 4. Payoff amount will display on the screen.   

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. 

To receive immediate release of lien, you may payoff your loan with a cashier’s check, wire transfer or cash. Any other payment method and the title will be released after five business days.

Credit unions have insurance on member deposits and have robust fraud and security systems in place to help protect your finances. Similar to how deposits in a traditional bank are covered by the Federal Deposit Insurance Corporation (FDIC), deposits in a federally insured credit union are covered by the National Credit Union Administration (NCUA).

Federal Credit union deposits are insured up to $250,000 per member by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States government.

Credit Union ONE offers accessible products to make banking easy anywhere, anytime!

- Online and Mobile Banking with smart alerts for account changes or transaction activity.

- Bill Pay and Zelle to make payments easier

- Find fee free ATMs, ITMs, and shared branching locations to access funds wherever you are.

- Telephone banking to receive account balances, make transfers, and more! 

If you live, work, worship, or attend school in the State of Michigan, or Ohio counties of Lucas, Wood, Sandusky, Summit, Lake and Cuyahoga you are eligible for membership. You can apply online or by visiting one of our convenient branch locations. 

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.

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.

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: • Quicken Technical Support; • QuickBooks Technical Support. 

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

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.

Access Online & Mobile Banking or 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.

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.

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.

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. Features include Thumbprint Sign In, Face Recognition and Snapshot for quick balances.

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.

Enroll in Online Banking by clicking Log In and then Register Now, following the prompts. Once in Online Banking, use the menu across the top to choose a feature you would like to use.  Watch this Online Banking Navigation Video to learn more. 

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. 

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

Browser information can be found on website > type browsers in search box > FAQ's > How do I Upgrade my Server to work with Online Banking.  Browser requirements also found on last page of the Online Banking manual.  Browsers are Microsoft Edge, Google Chrome, Safari, and Firefox.

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 available across the bottom of the screen.  

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.  Features include Thumbprint Sign In, Face Recognition and Snapshot for quick balances.

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 click "Deposit Check" at the bottom of the screen. Accept the notice provided.  Fill in the fields provided. Take pictures of the front and back of the check and 'Submit Deposit'. Click Here for the Credit Union ONE mobile app demo.

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 across the bottom of the screen.

Your account number is different from your member number. Here are two easy ways to access your account information.

1. In the Credit Union ONE mobile app, select the account you need the information for. Once the account page opens, select the Show Details button.
2. If you’re online, log into digital banking and select your account. Under the account nickname, you will find your 10-digit account number, which is partially obscured for security reasons. Click the eye icon to reveal the hidden numbers. For more information, select Account Details.

Once you've gathered your information, you can set up your direct deposit. 

Check out our How to Find Account and Routing Numbers video for more information. 

Member Overdraft Protection is available with our Cash Back Checking for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.  You may also extend this protection to one-time debit card and ATM transactions. This is a fee free service. Find out more information here.

No, Credit Union ONE eliminated overdraft fees in 2023. 

Credit Union ONE offers FREE overdraft protections to cover transactions trying to clear your checking account when the funds are not available. This saves you money by preventing NSF (non-sufficient fund) fees. Feel protected with all three optional offers below.

Option 1. Set up an automatic transfer from a CUONE savings account to your CUONE checking account to cover payment of checks, preauthorized payments, ACH drafts and recurring debit transactions. Learn more here!

Option 2. Enroll in Member Overdraft Protection and CUONE may cover payment of checks, preauthorized payments, ACH drafts, and recurring debit transactions up to $1000. with no overdraft fees. Learn more here!

Option 3. Apply for a Line of Credit loan and set up an automatic transfer to your CUONE checking account to cover overdrafts. Learn more here!

New members are able to opt-in at time of account opening. Existing members may update their enrollment by: Signing into Online/Mobile Banking and selecting Opt-In/Opt-Out Overdraft

Chat with a representative or call a member contact center representative.

Credit Union ONE no longer offers student loans. Please note the following for existing student loan borrowers:

• 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

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.

Telephone Banking Access can be reset by calling the Member Contact Center at 800-451-4292. 

Members have the option to complete Cross-member transfers through Online Banking. Member would go to Payments and Transfer tab, select More Actions, Add Account and finally Internal account. Members can also call the member Contact Center at (800)451-4292 to complete the transfer. They must have all of the appropriate account information when calling.

Yes, for domestic wire transfers, you can request them online or at a branch. International wire transfers must be completed in person at a branch. 

Acceptable forms of identification for individuals who need to complete a wire transfer inclcude: 

• State ID Card
• State Driver's License
• Passport
• Military ID Card
• Detroit ID
• Matricula Card

For domestic wire transfers, you can request them online or at a branch. International wire transfers must be completed in person at a branch.

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 
²Must have a bank account in the U.S. to use Zelle. 

You can send money to friends, family and others you trust². Since money is sent directly from your bank account to another person’s bank account within minutes¹, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 
²Must have a bank account in the U.S. to use Zelle. 

You can send, request, or receive money with Zelle. To get started, log into your mobile banking app and select “Send Money with Zelle^®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle.

• To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.
• To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”³.
• To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 
³In order to send payment requests to a U.S. mobile number, he mobile number must already be enrolled with Zelle. 

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Credit Union ONE.
3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 

Zelle is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor². Since money is sent directly from your bank account to another person’s bank account within minutes¹, Zelle should only be used to send money to people you trust. Neither Credit Union ONE, nor Zelle, offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 
²Must have a bank account in the U.S. to use Zelle. 

It’s easy — Zelle is already available in your mobile banking app! Check your app and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions live with Zelle here. If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS. To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle through your banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Credit Union ONE). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies Credit Union ONE of the incoming payment. Credit Union ONE then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment." If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, call our customer support team at 800-451-4292 team so we can help you.

Money sent with Zelle is typically available to an enrolled recipient within minutes¹. If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes¹. If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number. If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Call our customer support team at 800-451-4292 so we can help you.

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority. When you use Zelle within your mobile app, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Credit Union ONE nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your mobile banking app using just their email address or U.S. mobile number. Neither Credit Union ONE, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Your account number is different from your member number. Here are two easy ways to access your account information.

1. In the Credit Union ONE mobile app, select the account you need the information for. Once the account page opens, select the Show Details button.
2. If you’re online, log into digital banking and select your account. Under the account nickname, you will find your 10-digit account number, which is partially obscured for security reasons. Click the eye icon to reveal the hidden numbers. For more information, select Account Details.

Once you've gathered your information, you can set up your direct deposit. 

Check out our How to Find Account and Routing Numbers video for more information. 

To connect your credit/debit card to a mobile wallet on your mobile device, follow the instructions on the existing, preinstalled Apple Pay, Samsung Pay, or Google Pay app.*

Check out our How to Set Up Mobile Wallet video for more information.

*Older mobile devices may not support mobile wallet. Verify supported devices at the links above.

To link an external account, log in to your online banking account and hover over Payment and Transfers from the menu.

Select Transfers from the dropdown menu and click on the More Actions tab.

Select Add Account, and a pop-out will open, providing members options for adding an account.

If you’re using the mobile app, click “More” on the bottom menu. Then select Payment and Transfers.

Finally, select Transfers from the dropdown menu.

Select Add Account, and a pop-out will open, providing members options for adding an account.

For more information, check out our How to Make Account Transfers video. 

To set up card controls, log in to your online banking account or mobile app and select Cards from the top menu.

Select Card Management from the dropdown menu and a new window will appear displaying your cards.

Choose the card you want to set controls on.

Then, expand the Alerts and Controls section.

Select the pencil icon next to Manage Card Controls. A new window will open with card control options, including:

• Block transaction types
• Set transaction limits
• Deny international transactions

For more information, check out our How to Set Alerts and Manage Controls
video. 

To block/unblock a card, log in to your online banking account or mobile app and select Cards from the menu. A dropdown menu will appear.

Choose Card Management, and your cards will be displayed. Hover over the card you wish to block or unblock and select Manage Card.

Expand the Alerts and Controls tab and use the toggle switch to block the card temporarily. To unblock the card, toggle off this option.

To learn more, check out our How to Access Card Controls for Lost or Stolen Cards.

To replace a card, log in to your online banking or mobile account and navigate to Cards in the menu.

Select Card Management from the dropdown, and your cards will appear.

Choose the lost or stolen card you want to replace. A new window showing the card details will open.

Expand the Replacement Options section, select Lost or Stolen as the reason for the replacement, enter the incident dates, and submit your request.

The selected card will be canceled and removed from Manage Cards when it is reported as stolen.

Once your new card has been issued, it will be available in Manage Cards.

The replacement card will have a new card number and will be sent to your account address.

For more information, check out our How to Access Card Controls for Lost or Stolen Cards (Hyperlink to video).

To manage card alerts, log in to your online banking account or mobile app. Navigate to Additional Services on the menu. Then, select Alerts.

A new window will display the available alert categories, including:

• General alerts
• Accounts
• Authentication
• Budgets
• Card
• Mobile deposit
• Transfers

Toggle the alerts you want on or off for each account.

For more information, check out our How to Set Alerts and Manage Controls video.

To enable/disable foreign transactions, log in to your online banking account or mobile app and select Cards from the menu.

Choose Card Management from the dropdown, and your cards will be displayed. Select the card you want to enable/disable foreign transactions on.

Expand the Alerts and Controls section and select the pencil icon next to Manage Card Controls.

A new window will open with a toggle switch in the international section to deny/enable foreign transactions.

For more information, check out our How to Set Alerts and Manage Controls video. 
 

Log in to your online banking account or mobile app and select Cards from the menu.

Choose Card Management from the dropdown, and your cards will be displayed. Select the card you want to set transaction limits on.

Expand the Alerts and Controls section and select the pencil icon next to Manage Card Controls.

A new window will open with options to set transaction limits or block specific transaction types, including:

• In-store
• Online
• Mail or phone order
• Auto pay
• ATM
• Other

For more information, check out our How to Set Alerts and Manage Controls video.

During the promotional period (Add Date) new checking accounts opened in a branch will be eligible for the $200 bonus debit card reward points after completing the following actions.

Action 1: Download the CUONE mobile app or register your account online.
Action 2: Set up your direct deposit.
Action 3: Keep your account open for 90 days.

For more information on eligibility, please contact your local Credit Union ONE branch. 

If your employer is registered with our link payroll system, you can enroll through online banking or the mobile app.

Log into your online banking account or mobile app, select Payment and Transfers from the menu, then click Set up Direct Deposit.

Once you’ve entered and submitted your employer and payment details, your direct deposit is all set up.

Having trouble finding your payroll credentials?

• Try account recovery
  • Most payroll systems allow you to look up your account or do a password reset.
• Check your personal/work email
  • Your employer likely sent you an invite email to the payroll system. This email contains details on how to access your account.
• Ask your employer for help
  • Your employer’s HR or payroll manager will be able to help you get access.

To learn more, watch our How to Set Up Direct Deposit video.

If your employer is not registered, you can complete the online direct deposit form and turn it in to your employer. If you're having trouble with the form, you are also welcome to contact us at 800-451-4292 or stop by a branch.

Once your direct deposit hits your account, you can use Online Banking to set up scheduled payments or recurring external transfers.

Yes, a 1% foreign transaction fee will apply to purchase transactions completed outside the United States. A $1.50 transaction fee will apply to ATM transactions outside the United States. Additionally, the owner
of the ATM may charge a surcharge fee for use of that ATM.

You can enable/disable foreign transactions through online banking or the mobile app. For more information, check out our How to Set Alerts and Manage Controls video. 

Your daily debit card limit is $5,010 for purchase transactions and $1,010 for ATM cash withdrawals.

You can also set transaction limits through online banking or the mobile app.

For more information, check out our How to Set Alerts and Manage Controls video.