Personal Checking Accounts

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The right checking account is the foundation for our Michigan members' daily money management needs, whether they are in metro Detroit, Grand Rapids, Traverse City, Ann Arbor or beyond. Credit Union ONE offers two checking account options, one that earns cashback rewards and another that gives you a second chance and helps you get back on your feet after financial difficulties. Both come with these features and capabilities.

Free ID Theft Protection with your Platinum Debit Mastercard
Unlimited surcharge-free ATM access at nearly 30,000 ATMs nationwide
Access to 25 Michigan branches and over 56,000 national shared branches
Free digital banking platform with Online Banking and Mobile App offering Online Bill Pay, Budget Tools, and much more

Which Checking Account Fits Your Needs?

Cash Back Checking Account

Earn reward points good for cash, gift cards, merchandise and travel.

Unlimited Rewards on every purchase
No monthly maintenance fee*
No minimum balance*

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Basic Checking Account

A great solution if you’ve had financial troubles in the past.

Helps rebuild your banking history
Low monthly maintenance fee*
No minimum balance*
Only $25.00 to open

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Checking Account Comparison

placeholder cell	Cash Back CheckingApply Now	Basic CheckingVisit a Branch
Monthly Service Fee	No Monthly Maintenance Fee if: Under 25 or over 64 years of age. Enroll in Direct Deposit $500+ monthly average balance Combine for 15 Debit Card purchases or bill payments per month* Otherwise: $6	$15 $10 when enrolled in Direct Deposit
Minimum Opening Deposit	$0	$25
Unlimited Reward Points	Yes	No
Online and Mobile Banking	Yes	Yes
Mobile Check Deposit	Yes	No
Free ID Theft Protection	Yes	Yes
Unlimited Surcharge-Free ATMs	Yes	Yes

Experience Free Next-Level Digital Banking

You'll have quick and secure access to check your balance, deposit checks, transfer money, and pay bills anywhere, anytime, and on any device with Online and Mobile Banking.