How do I view transaction information?
You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking.
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.
Why is my deposit on hold?
Call the Member Contact Center at 800-451-4292 or
visit a branch. Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 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.
What do I do if I have overdrawn my account?
Yes, you will be assessed a $30.00 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 I open a Certificate of Deposit?
Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch [links to Branches] or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu. Our latest
CD rates are available online.
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 IRAs?
What types of business savings accounts do you offer?
How do I set up and automatic payment?
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.
When will the hold be released?
Call the Member Contact Center at 800-451-4292 or
visit a branch. Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 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 keep from overdrawing my account?
Yes, you will be assessed a $30.00 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.
What are your Certificate of Deposit rates?
Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch [links to Branches] or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu. Our latest
CD rates are available online.
What IRAs do you offer?
How do I get my account number to set up direct deposit?
Call the Member Contact Center at 800-451-4292 or visit any
Credit Union ONE branch to obtain a direct deposit letter to provide to employer or organization making the deposit.
Can the hold be released sooner?
Call the Member Contact Center at 800-451-4292 or
visit a branch. Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 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 enroll in overdraft protection?
Yes, you will be assessed a $30.00 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.
What are the terms of the Cerificates?
Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch [links to Branches] or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu. Our latest
CD rates are available online.
What is the difference between a Traditional IRA and a Roth IRA?
How do I set up direct deposit?
Sign up for direct deposit by providing our routing number, 272479841, 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.
What does it cost to use overdraft protection?
Yes, you will be assessed a $30.00 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.
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.
My CD is matured and I would like to transfer the funds to my
checking account.
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 a Traditional IRA?
How can I extend my overdraft coverage to ATM and everyday debit card transactions?
Yes, you will be assessed a $30.00 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 can I close my CD?
Why do I need a savings account to open a checking account?
A Regular Savings account establishes your relationship with Credit Union ONE and provides the cornerstone for all member services and accounts. For as little as $5, you'll become a Credit Union ONE member and shareholder, and will receive a tiered dividend on your account at a rate established quarterly by the Board of Directors. Your $1.00 one-time membership fee will be donated to cancer research. Once this account has been established, you are eligible to apply for other Credit Union ONE products and services.
What is a Roth IRA?
My CD is maturing and I want to change the term?
Members can change the term of their CDs on the maturity date or within 7 days after without incurring a penalty.
What is the minimum amount to open an account?
You'll need $25 for checking; no minimum for savings.
I have a maturing CD, what are your rates? I may want to change the term?
Members can change the term of their CDs on the maturity date or within 7 days after without incurring a penalty.
What is a Certificate of Deposit?
What are your current deposit rates?
Our
Rates page provides the most updated rates we're offering.
What is a CD?
How does a CD work?
Checking account rates?
Our
Rates page provides the most updated rates we're offering.
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 does a Certificate of Deposit work?
Savings account rates?
Our
Rates page provides the most updated rates we're offering.
Money Market account rates?
Our
Rates page provides the most updated rates we're offering.
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.
Business CD rates?
Our
Rates page provides the most updated rates we're offering.
What is a Levy?
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.
Business checking rates?
Our
Rates page provides the most updated rates we're offering.
There is a transaction on my account I did not authorize. Can you tell me what it is for?
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.
Business savings account rates?
Our
Rates page provides the most updated rates we're offering.