Checking

Checking

It's easy to earn all kinds of rewards

Experience the full advantages of becoming a member.

Cash back is just the beginning

Trade in points for gift cards, merchandise, and travel deals, too.

The debit card is key

With every Platinum Debit Mastercard purchase, you'll earn one point for every $3 spent.

Redeem your way

Cash rewards can be deposited directly into your checking or savings account or credited to a loan balance.

No overdraft fees. Period.

Enjoy extra peace of mind with up to $1,000 of overdraft protection for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.

Track your progress

Rewards can be viewed by logging in to Credit Union ONE Online and Mobile Banking.

Time-saving technology

Make quick electronic bill payments with Bill Pay and deposit checks from anywhere with your mobile device's camera.

It's always been a smart move to make frequent use of your debit card. It's safer than carrying cash. It's accepted online and at millions of merchants worldwide. And there are never interest charges on card purchases. But now there's another good reason to favor your card - it lets you earn cash back and other valuable rewards. Cash Back Checking also includes:

  • Online Banking and electronic Bill Pay
  • Free mobile app and mobile check deposit
  • Unlimited surcharge-free ATM access at 17 Michigan branches, 5,600 shared branch locations, and nearly 30,000 ATMs nationwide
  • No monthly service fee with Direct Deposit or other qualifying events*
  • No minimum balance (if other requirements are met) ‡

We also offer a basic checking account if you want to build or repair your banking history, or for those whose banking history may not qualify them for a cash back checking. Please contact us for more information.

Enjoy free Member Overdraft Protection with Cash Back Checking.†

We are excited to announce that we have eliminated overdraft fees and are introducing our new Member Overdraft Protection for your Credit Union ONE Cash Back Checking account!

Enjoy extra peace of mind with up to $1,000 of overdraft protection for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions. This protection can be extended to one-time debit card and ATM transactions if you opt in, too.

At Credit Union ONE, we believe in prioritizing the needs and savings of our members. And since our members are also our owners, eliminating overdraft fees just makes sense! 

Member Overdraft Protection is available for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.  Member Overdraft Protection is also available for one-time debit card and ATM transactions if you opt-in.  This program is designed to protect you in the event you overdraw your account.  Our Member Overdraft Protection may save you the inconvenience of having your checking account transaction declined when there are insufficient available funds in your account.

For a complete description of Member Overdraft Protection, please refer to the “Overdrafts and Non-Sufficient Funds” section of your Membership and Account Agreement.

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

Run The Numbers

Discover opportunities to put more money in your pocket

We make it easy to open

*

Monthly Service fee of $6. Fee waived with any one of the following:

  • $500 monthly average balance in the checking account
  • incoming automatic deposit
  • Perform any combination of 15 qualifying transactions in a month. Qualifying transactions include debit card and bill pay transactions. Debit card transactions must be posted to the account by the last day of the month. Excludes ATM transactions.
  • are under 25 years or older than 64 years.
†

Member Overdraft Protection is a discretionary service provided as a courtesy to members who meet eligibility requirements. It is not a credit product nor an extension of credit and Credit Union ONE reserves the right to add or remove eligible accounts. If a covered transaction is presented for payment and the eligible account does not have enough funds available, Member Overdraft Protection will cover the transaction and take your account into the negative. You then have 15 days from the date of the transaction to bring the balance positive to avoid suspension of Member Overdraft Protection and other restrictions on your accounts. 

This service is optional. For a full description of Member Overdraft Protection, please refer to the “Overdrafts and Non-Sufficient Funds” section of your Account Agreement and Disclosures.

‡
Zero Balance Closure: Accounts that are open but remain at a $0 balance for 90 consecutive days will be automatically closed out. To avoid closure, the account balance must not be at $0 for 90 consecutive days. There is no fee for zero balance closure. 

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.