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?
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.
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 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.
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?
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.
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 for checking; no minimum for savings.
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.
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.
What are your current deposit rates?
Our
Rates page provides the most updated rates we're offering.
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.
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.
Checking account rates?
Our
Rates page provides the most updated rates we're offering.
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.
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.
Savings account rates?
Our
Rates page provides the most updated rates we're offering.
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.
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.
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.
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.
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.
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.
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.
How do I open a checking account?
Business savings account rates?
Our
Rates page provides the most updated rates we're offering.
What types of business checking accounts do you offer?