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Get more out of your checking account.

Cash Back Checking

Earn
rewards and interest.

A Cash Back Checking Account that fits.

Convenient and flexible to fit your life


With Cash Back Banking, you can earn cash back in a couple of ways – by using your Platinum Debit MasterCard® and by earning interest on any balances of at least $5,000. We believe our Michigan members deserve a checking account that rewards everyday activity and meets all their needs, including the anytime access to manage money online and via mobile device. Cash Back Checking takes your checking to the next level. Open an account online or visit us at one of our convenient locations throughout Michigan including metro Detroit, Grand Rapids, Traverse City and beyond.
 
Open a Cash Back Checking account today.
Apply Now

*See all associated fees Debit Card Purchase must be posted to the account by the 25th of each month. Excludes ATM transactions. 

Related resources

How do I view transaction information?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking.

How do I set up direct deposit? 

The direct deposit letter can be printed and sent to you to give to employer. Call the Member Contact Center at 800-451-4292 or visit a branch.  Auto pay is also set up through the Member Contact Center or by visiting a branch. You can use Online Banking to set up scheduled payments or recurring external transfers.

How do I activate my Platinum Debit MasterCard?

Call the phone number on the sticker on the front of the new card or call Credit Union ONE Member Contact Center at 800-451-4292 or visit any Credit Union One branch.

What do I do if I have overdrawn my account? 

If you are enrolled in overdraft protection, you will be assessed a $30.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

How do I open a checking account?

You can open your checking account online or by visiting one of our branch locations.

How do I order checks? 

After your first checkbook order has been successfully placed and received, you may then place successive orders online through Online Banking. Once signed in, select Checking, and Order Checks.  Make sure you are allowing "pop-ups" for this process.

How do I set my PIN?

Each debit card will come with an assigned PIN if ordered through the mail. Each PIN Mailer has an 800-number and a reference number. Call that 800-number, enter the reference number provided and when prompted enter your new PIN. Members who obtain their card instantly at a branch will be able to select there own PIN at that time.

How do I get a new Platinum Debit MasterCard?

Cash Back Checking Accounts:
Replacement debit cards can be instant-issued at the branch; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS; fee is $5.00.  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00.

Basic Checking Accounts:
Replacement debit cards can be instant issued at the branch ONLY if the first debit card has been received via USPS mail; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS mail; fee is $5.00.  Requests over the phone or via email/chat for Rush Order replacement debit cards will be delivered via FedEx ONLY if the first debit card has been received by USPS mail; fee is $30.00.

How do I report fraud on my account?

Visit any Credit Union ONE branch or call the Member Contact Center at 800-451-4292.

How do I enroll in overdraft protection?

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

How do I verify if a check has cleared?

Verify if checks have cleared by using Online Banking, Mobile Banking, 24-Hour Telephone Banking, by calling our Member Contact Center at 800-451-4292 or by visiting a branch.

How do I open an account online?

Credit Union ONE now offers online account opening and funding. You can open an account online and fund it with a bank checking or savings account or a credit or debit card.

Can my child become a Credit Union ONE Member? 

Our Youth Accounts page explains all the details about options for youth members. 

What information do I need to provide my employer to set up direct deposit?

Please give your employer your 10-digit account number (not your member number) along with the routing number of 272479841. If your employer requires a letter, please contact us at 800-451-4292 or stop by a branch.

Can I place a stop payment on a check?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

How do I release a check with a hold? 

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. [links to Branches] Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

What is the minimum amount to open an account?

You'll need $25 to open a checking account. There is no minimum for savings accounts.


My checks were lost / stolen what can I do?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

What is your routing number?

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.

Can I transfer from a Basic Checking to a Cash Back Checking account?

Basic checking members are eligible to apply for Cash Back Checking once Basic Checking is maintained in good standing for 12 months.

How do debit card rewards work?

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

Who do I send a request to for a Verification of Deposit?

Verification of Deposits are processed by the Admin Services department. Members and merchants can fax the VOD form directly to the Admin Services Department, or mail to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220.

How do I dispute an ACH/automatic payment?

Members can submit a dispute request for an ACH/ Auto Pay that they did not authorize by contacting Credit Union ONE at 800-451-4292 or visiting any Credit Union ONE branch. If doing this in person, you need to report the activity with the proper form attached with the transaction information. This form is then sent to Accounting Department for processing.

There is a deduction for an insurance premium on my account that is not mine?

Members can submit a dispute request for an ACH/ Auto Pay that they did not authorize by contacting Credit Union ONE at 800-451-4292 or visiting any Credit Union ONE branch. If doing this in person, you need to report the activity with the proper form attached with the transaction information. This form is then sent to Accounting Department for processing.

How can I get overdraft protection on my checking account?

Members can opt in to REG E for overdraft protection for their debit card transactions. If funds are not available in the member's account when the card is swiped, the transaction will be approved and will overdraw the account for a $30.00 fee. Members can opt in or opt out at any time.

How does Credit Union ONE protect my debit card transactions from fraud?

Credit Union ONE is committed to protecting your accounts and monitors all debit transactions for fraud 24/7. If fraud or unusual activity is suspected, you will be notified by an automated phone message or called directly by our fraud monitoring department. If you have questions about notifications, please call 888-241-2440. 

I'm a student. Is there anything special for me?

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.

What happens to my points if I close my account?

Points, if eligible, may be redeemed by you and paid to the account the day you close your account. Your accounts must be in "good standing" to redeem your points. Rewards and points are not paid and are forfeited if account is closed by Credit Union ONE for any reason.