Checking Accounts
Our One Credit Union checking accounts provide valuable features that can instantly save you time, money and provide peace of mind. Get the convenience and security of a One CU checking account today.
One CU has raised the bar on checking accounts. Beyond the latest mobile app, mobile wallet and card controls, our Basic Checking accounts also include:
- Buyers Protection and Extended Warranty
- Identity Theft Aid
At One CU, our standards are higher. Further, we also offer checking accounts that 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.
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.
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."
-Jennifer DeLisle, Member/Owner of One CU
CHECKING COMPARISON
Download the detailed comparison chart here.
FEATURES | REWARDS PLUS | REWARDS | Basic Checking |
---|---|---|---|
Anywhere Banking Tools | |||
Mobile Wallet and Card Controls | |||
Statements | Paper/e-Statements included | Paper/e-Statements included | e-Statements included4 |
Buyers Protection and Extended Warranty* | $2,500 / 180 days2 | $2,500 / 180 days2 | $2,500 / 90 days2 |
ID Theft Aid* | $10,000 1 | $5,000 1 | $1,000 1 |
Credit Monitoring by Experian* | |||
Credit Report and Credit Score | |||
Shop Local, Save Local with BaZing Savings | |||
Cell Phone Protection* | $600/claim, $1,200 per year | $400/claim, $800 per year | |
24/7 Roadside Assistance | 3 | 3 | |
Health Savings Card | |||
Accidental Death Coverage* | $25,000 | $10,000 travel coverage | |
Dividends | Premium | Standard | |
Free Cashiers Checks and Money Orders | |||
Monthly Fee | $6 | $4 | Zero. Zip. Zilch. |
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.
1You are covered for the amount listed in personal identity theft benefit and
identity restoration
2Newly purchased items are protected for up to $2,500 per item if theft or
accidental breakage occurs during the first 180 or 90 days.
3Up to $80/event in covered service charges
4Member must register for e-Statements within Online Banking. Paper statements
are $4/month, waived for members 55+
Checking Rates
Type | APY* | Dividend Rate |
---|---|---|
Rewards Plus - Premium Dividend | 0.25% | 0.25% |
Rewards - Standard Dividend | 0.10% | 0.10% |
*APY is annual percentage yield. Rate is dividend rate. Rates effective 02/01/2021 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.
Learn
- Everything You Need to Know About Budgeting (article – 10 min)
- Creating a Budget (and sticking to it) (online course – 15 mins)
- Checking and Transaction Accounts (video -2 mins)
- Checkbook Balancer Calculator
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? Make sure your debit card won't be flagged for fraud:
- Complete our travel form
- Send a message in Online Banking
- Call us (800) 578-5024
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
BaZing Support
Need to file a claim? Or have questions about BaZing benefits?
Call (855) 822-9464.
Email customer.service@bazing.com