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No-fee, no-hassle checking lets you focus on your business.

Totally Free Checking

Ideal for startups and
small businesses

Simple, convenient checking that fits

Home Equity Loan
Borrow up to 90% of your home's equity to help with major expenses

The right choice for lower volume businesses


Credit Union ONE supports Michigan businesses of all sizes. If you just launched your company or you run a smaller operation, our Totally Free Checking could be the perfect fit. You get all the convenient account access without minimum daily balance requirement or monthly maintenance fee. This account is ideal if you process 200 or fewer transactions per month because those are all free, too. We make it easy to get the right checking account for your unique business needs.
Visit us to open a Totally Free Checking account.
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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 set up direct deposit? 

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

What do I do if I have overdrawn my account? 

If you are enrolled in overdraft protection, 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?

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

How do I order checks? 

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

How do I report fraud on my account?

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

How do I enroll in overdraft protection?

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

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.

How do I verify if a check has cleared?

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

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.

What is the minimum amount to open an account?

You'll need $25 to open a checking account. There is no minimum for savings accounts.


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.

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.

What is your routing number?

Our routing number is 272479841. Sign up for direct deposit by providing this number and your 10-digit account number to your employer. If the information is needed in writing, we are able to provide a direct deposit letter.

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

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

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 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.

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.