Get answers to commonly asked questions

Account Opening

There is no minimum to open a Cash Back Checking account. You'll need $25 to open a Basic Checking account. There is no minimum for savings accounts.

New members can apply for membership online or visit a Credit Union ONE branch. If you're an existing member, open new accounts through Online Banking by signing in here

Credit Union Information

Shared Branch members are required to have their membership number as well as a current (not expired) form of identification such as a Driver's License, State ID or passport.

Credit Union ONE is a part of the Shared Branching network, however if you're a member to a different credit union you will want to make sure your credit union is a participating institution before coming in to do a transaction. You can do so by searching the name of your Credit Union on the official Shared Branch Locator site https://co-opcreditunions.org/locator/?t=3

Please visit our Locations & ATMs page.

Please visit our Locations & ATMs page.

Our Locations & ATMs page provides a full list. Shared branching allows Credit Union ONE members to use other non-Credit Union ONE credit unions to perform certain transactions. Credit Union ONE is required to perform the following transactions for guest credit union members:

• Account Inquiries

• Withdrawals

• Deposits

• Transfers

• Loan Payments

• Loan Advances

• Statement Prints

Any additional services offered are that discretion of Credit Union ONE. 

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.


Credit unions have insurance on member deposits and have robust fraud and security systems in place to help protect your finances. Similar to how deposits in a traditional bank are covered by the Federal Deposit Insurance Corporation (FDIC), deposits in a federally insured credit union are covered by the National Credit Union Administration (NCUA).

Federal Credit union deposits are insured up to $250,000 per member by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States government.

Credit Union ONE offers accessible products to make banking easy anywhere, anytime!

- Online and Mobile Banking with smart alerts for account changes or transaction activity.

- Bill Pay and Zelle to make payments easier

- Find fee free ATMs, ITMs, and shared branching locations to access funds wherever you are.

- Telephone banking to receive account balances, make transfers, and more! 

If you live, work, worship, or attend school in the State of Michigan, or Ohio counties of Lucas, Wood, Sandusky, Summit, Lake and Cuyahoga you are eligible for membership. You can apply online or by visiting one of our convenient branch locations

You're eligible if you work, live, attend school or worship in Michigan. If you have out-of-state ID, we will need proof you meet the requirements. For example, a paystub showing your employer is based in Michigan, a rental agreement or closing documents with your Michigan address or a school ID will suffice.

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.

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