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Checking Accounts

Do you ever wonder what the “maintenance fee” is maintaining on bank checking account?

Our One Credit Union checking accounts provide valuable features that can instantly save you money and provide peace of mind.  

One CU checking accounts include perks such as:

  • Credit Monitoring
  • Cell Phone Protection
  • Roadside Assistance

 – and so much more.

Compare our checking options to choose the right one for you. leaf icon

Open an Account

Anywhere Anytime Banking

Online banking, mobile banking, bill pay, debit card and e-statements


Mobile Wallet & Card Controls

Protect yourself from fraud. Control your card and receive alerts in real time with SecurLock Equip Card Controls. Better yet, you can load your cards into the secure wallet and pay from your smartphone. Apple Pay, Samsung Pay and Google Pay are all supported. Learn more.


Buyer Protection, Extended Warranty & ID Theft

Purchased items are protected for up to $2500 per item if theft or accidental breakage occurs within the first 90 days, plus one year extended warranty. Also includes fraud resolution.


Compare Accounts

One CU Checking Accounts come with benefits that you’ll really use – we have 3 options for you to choose from!

All our checking options deliver great value, instantly save you money, and provide peace of mind.  Our perks provide you benefits you can use, every day. Choose the account that is right for you.

Open an Account

Upgrade Existing Checking Account

One CU Rewards are powered by BaZing.


"Our Rewards Plus Checking Account offers real benefits that we actually use. We saw savings right away with the cell phone insurance - saving $10/month on that feature alone! Best of all, I get fraud protection features that allow me to lock down my debit card and prevent it from being used by hackers."

More Testimonials


Download the detailed comparison chart here.

Anywhere Banking Tools
Mobile Wallet and Card Controls
Buyers Protection and Extended Warranty* 2 2 2
ID Theft Aid* 1 1 1
Credit Monitoring by Experian*
Credit Report and Credit Score
Shop Local, Save Local with BaZing Savings
Cell Phone Protection* $400/claim, $800 per year $600/claim, $1,200 per year
24/7 Roadside Assistance 3 3
Health Savings Card
Accidental Death Coverage* $10,000 travel coverage $25,000
Dividends Standard Premium
Free Cashiers Checks and Money Orders
Monthly Fee Zero. Zip. Zilch. $4 $6
Open an Account Open Account Open Account Open Account

- Service Included

- Service Not Included

  • Insurance products are NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. Cell phone protection, personal identity theft benefit, and buyer's protection and extended warranty are subject to additional terms and conditions. Credit monitoring by Experian requires additional activation. Call for details.

    1$10,000 personal identity theft benefit and identity restoration
    2$2,500 per item / 180 days

Checking Rates

Type APY* Dividend Rate
Rewards Plus - Premium Dividend 0.50% 0.50%
Rewards - Standard Dividend 0.10% 0.10%

Open an Account

*APY is annual percentage yield.  Rate is dividend rate. Rates effective 06/01/2020 and are subject to change without notice.  $5 minimum opening deposit on Youth Accounts. $25 minimum opening deposit on all checking accounts. Fees could reduce earnings on Rewards Checking account. Initial deposit match for Youth Account is available for a limited time only and may be withdrawn without notice.

Checking Resources

Once you have your new One CU Checking Account, here are some tools you may want to take advantage of:

Find Surcharge-Free ATMs Nationwide

Use our ATM Locator to find a surcharge-free ATM near you. 

Travel Notice – traveling out of town? Here are your options:


Control Your Card – Protect yourself from fraud.

Learn more and download SecurLock Equip to turn your card off and off to control use, and receive alerts in real time.

Update Your Pin

Call (866) 297-3411