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Spend wisely with personalized financial solutions to match your lifestyle.
Choose from multiple spending options within personal and business accounts.

Personal Spending

  • Personal Checking

    The accounts you need to manage your money. View Details
  • Personal Credit Cards

    Find the card that meets your lifestyle. View Details

Business Spending

  • Business Checking

    Get a checking account that fits your business. View Details
  • Business Credit Cards

    Carry a credit card designed for your business. View Details
  • Merchant Services

    We'll help you meet your customers' demands. View Details

Membership Benefits

Cash Back Rewards
With Cash Back Checking, you can earn Cash Reward Points when you make everyday debit card purchases.    
Learn More
Related resources

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 report fraud on my account? 

Cash Back Checking Accounts:
Debit cards will be instant-issued at branch at the time the account is opened at the branch. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Basic Checking Accounts:
Debit cards will ONLY be mailed via USPS at the time account is opened at the branch, NOT instant-issued. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Cash Back Checking Accounts:
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 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what these mean**).  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00 (Rush Order Debit Cards **I don't know what this means**).

Basic Checking Accounts:
Replacement debit cards can be instant issued at the branch ONLY if the first debit card has been received via USPS mail; fee is $5.00. (New Member/New Account Procedure **I don't know what this means**).  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS mail; fee is $5.00 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what this means**).  Requests over the phone or via email/chat for Rush Order replacement debit cards will be delivered via FedEx ONLY if the first debit card has been received by USPS mail; fee is $30.00 (Rush Order Debit Cards).

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 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.

Are there service fees associated with the 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.


What are your youth accounts? 

Our Youth Accounts page explains all the details about options for youth members. 

How do I get a new Platinum Debit MasterCard?

Cash Back Checking Accounts:
Debit cards will be instant-issued at branch at the time the account is opened at the branch. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Basic Checking Accounts:
Debit cards will ONLY be mailed via USPS at the time account is opened at the branch, NOT instant-issued. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Cash Back Checking Accounts:
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 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what these mean**).  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00 (Rush Order Debit Cards **I don't know what this means**).

Basic Checking Accounts:
Replacement debit cards can be instant issued at the branch ONLY if the first debit card has been received via USPS mail; fee is $5.00. (New Member/New Account Procedure **I don't know what this means**).  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS mail; fee is $5.00 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what this means**).  Requests over the phone or via email/chat for Rush Order replacement debit cards will be delivered via FedEx ONLY if the first debit card has been received by USPS mail; fee is $30.00 (Rush Order Debit Cards).

Why have I been charged a fee?

Please refer to our Membership Fee Guide. You can also visit a branch or call the Member Contact Center at 800-451-4292.

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.

How do I order checks? 

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

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.

How do I open a checking account for my child? 

Our Youth Accounts page explains all the details about options for youth members. 

Why is my debit card declining when I use it?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I dispute a fee? 

Please refer to our Membership Fee Guide. You can also visit a branch or call the Member Contact Center at 800-451-4292.

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.

Where can I order checks? 

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

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.

I tried opening an account at another bank and they told me I have a outstanding balance owed for Credit Union ONE on chex systems. What can I do?

Members who default on Credit Union ONE accounts, including loans, may be reported to chex systems for the amount owed. This can prevent members from opening accounts at other financial institutions. Members who want to clear the chex system reporting will need to contact us to pay funds owed.

How do I open a savings account for my child? 

Our Youth Accounts page explains all the details about options for youth members. 

I did not receive my new Debit Chip Card yet?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

Can I order checks online? 

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

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.

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.

Is there a fee for using overdraft service?  
 

Yes, you will be assessed a $30.00 fee per transaction when this service is used.

Can my child become a Credit Union ONE Member? 

Our Youth Accounts page explains all the details about options for youth members. 

Do I use my old PIN with my new card?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I stop a bill payment? 

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.

How do I verify a check?

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

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.

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 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.

How old does my child need to be to become a Credit Union ONE member?

Our Youth Accounts page explains all the details about options for youth members. 

I did not receive my new PIN?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I 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.

Has my check #001 cleared?

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

What is the minimum amount to open an account?
 

You'll need $25 for checking; no minimum for savings.

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

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.

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.

Did my mortgage check clear the bank yet?

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

I am on vacation and my card is declining. Why? 

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.

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.

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 $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 are your current deposit rates?

Our Rates page provides the most updated rates we're offering. 

How do I get a new Platinum Debit MasterCard?

The Debit MasterCards can be obtained instantly by visiting any Credit Union ONE branch. A debit card can also be mailed to the address on file which you would received in 7-10 days. The Debit Card and PIN will come in two separate mailings about three days apart. To order a debit card by mail, please call us at 800-451-4292.

I issued a check but it has not cleared my account yet?

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.

Why is my check being held? 

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 $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.

CD Rates? 

Our Rates page provides the most updated rates we're offering. 

What do I do if I have lost my Platinum Debit MasterCard?

You can call our Lost or Stolen Debit Card line at (888) 241-2510, 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.  

Do you have a checking that does not charge a monthly fee?

Basic checking members are eligible to apply for the Cash Back Checking once Basic Checking is maintained in good standing for 12 Month. Good standing is defined as: Account does not have more than 3 NSF's in past 6 months, there are no legal orders, levies or liens against members account and there are not more than 2 debit card disputes on account.

How do I report a lost or stolen debit card?

You can call our Lost or Stolen Debit Card line at (888) 241-2510, 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 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.

When can I transfer to a Cash Back Checking account?

Basic checking members are eligible to apply for the Cash Back Checking once Basic Checking is maintained in good standing for 12 Month. Good standing is defined as: Account does not have more than 3 NSF's in past 6 months, there are no legal orders, levies or liens against members account and there are not more than 2 debit card disputes on account.

Savings account rates?

Our Rates page provides the most updated rates we're offering. 

How do I report a lost or stolen debit card?

You can call our Lost or Stolen Debit Card line at (888) 241-2510, 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.  

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.

How do I open a checking account? 
 

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

Money Market account rates? 

Our Rates page provides the most updated rates we're offering. 

How do I reset my Platinum Debit MasterCard PIN? 

Each debit card will come with an assigned PIN if ordered through the mail. Each PIN Mailer has an 800-number and a reference number. Call that 800-number, enter the reference number provided and when prompted enter your new PIN. Members who obtain their card instantly at a branch will be able to select there own PIN at that time.

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.

What types of business checking accounts do you offer? 
 

From free checking to interest bearing checking, Credit Union ONE has a number of business checking accounts to offer.

Business CD rates?

Our Rates page provides the most updated rates we're offering. 

How do I set my PIN?

Each debit card will come with an assigned PIN if ordered through the mail. Each PIN Mailer has an 800-number and a reference number. Call that 800-number, enter the reference number provided and when prompted enter your new PIN. Members who obtain their card instantly at a branch will be able to select there own PIN at that time.

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. 

How can I pay my third-party bills from my checking account?
 

We offer online Bill Pay as part of our Online Banking platform. Once you’ve enrolled in Online Banking, you can set up any payee to pay from your Credit Union ONE checking account.

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.

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. 

How do debit card rewards work?

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

How do I redeem my debit card rewards points? 

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

How do I earn points with my Platinum Debit MasterCard? 

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

How do I cash in my rewards points?

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

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.

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 every 90 days. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

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.

How long until my debit card becomes inactive? 

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once every 90 days. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

I was using my debit card but why was it declined?

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.

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.

My Debit Card purchase was declined and not sure why?

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 members account for a $30.00 fee. Members can opt in or opt out at any time.

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 members account for a $30.00 fee. Members can opt in or opt out at any time.

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, you will be notified by an automated phone message or called directly by our fraud monitoring department. If you have questions about notifications, please call 888-241-2440. 

What happens if I do not opt-in for Overdraft Service for ATM and everyday debit card transactions?
 

If you do not opt in for this coverage, your debit card transactions will be declined if sufficient funds are not available in your account to cover the transactions.