FAQs

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. 

Verification of Deposits are processed by the Loan and Administrative Services department. Members and merchants can fax the VOD form to 248-584-5446, or mail to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220.

The $6.00 monthly maintenance fee is waived each month that one of the following is met:

Under age 24, over age 65

Direct Deposit

$500 monthly average balance

A combination of 15 Debit Card purchases or Bill Payments per month**

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

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 Additional Services tab, clicking on Check Services, then Stop Payment, then New Stop Payment Request and completing the requested check information.

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

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 Check Services and Reorder Checks. Make sure you are allowing "pop-ups" for this process.

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

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

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

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $225 will be made available on the same day you make the deposit.

Your daily debit card limit is $5,010 for purchase transactions and $1,010 for ATM cash withdrawals.  

Contact Credit Union ONE at 800-451-4292 if you need to discuss a temporary change in transaction limits 

Yes

Yes, a 1% foreign transaction fee will apply to purchase transactions completed outside the United States. A $1.50 transaction fee will apply to ATM transactions outside the United States. Additionally, the owner of the ATM may charge a surcharge fee for use of that ATM.

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

 You may call our lost or stolen debit card line at 800-451-4292. Debit cards may also be reported as lost/stolen in Online or Mobile Banking under Card Management. 

To change your pin, call our PIN NOW number 888-886-0083 and follow the prompts. Or visit any Credit Union ONE ATM.

Earn 1 point for every $3 spent with your Cash Back Checking Account Platinum Debit Card.

You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.

Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once within a 12 month period. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

Yes, but you should inform Credit Union ONE with a Travel Notification.  Transactions are blocked when fraud is detected on your debit card and Travel Notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent. 

You can complete a Travel Notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.

Check and redeem Debit Rewards points in Digital Banking by selecting Cards, then Debit Rewards.

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.

Replacement debit cards can be instant-issued at the branch for a fee of $5.00. Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS for a fee of $5.00. Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx for a fee of $30.00.

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, our automated fraud alerts allow you to instantly respond to suspected fraud on your account via text, digital voice or email.

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.

Once your direct deposit hits your account, you can use Online Banking to set up scheduled payments or recurring external transfers.

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.

Member Overdraft Protection is available with our Cash Back Checking for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.  You may also extend this protection to one-time debit card and ATM transactions. This is a fee free service. Find out more information here.

No, Credit Union ONE eliminated overdraft fees in 2023. 

Credit Union ONE offers FREE overdraft protections to cover transactions trying to clear your checking account when the funds are not available. This saves you money by preventing NSF (non-sufficient fund) fees. Feel protected with all three optional offers below.

Option 1. Set up an automatic transfer from a CUONE savings account to your CUONE checking account to cover payment of checks, preauthorized payments, ACH drafts and recurring debit transactions. Learn more here!

Option 2. Enroll in Member Overdraft Protection and CUONE may cover payment of checks, preauthorized payments, ACH drafts, and recurring debit transactions up to $1000. with no overdraft fees. Learn more here!

Option 3. Apply for a Line of Credit loan and set up an automatic transfer to your CUONE checking account to cover overdrafts. Learn more here!

New members are able to opt-in at time of account opening. Existing members may update their enrollment by: Signing into Online/Mobile Banking and selecting Opt-In/Opt-Out Overdraft

Chat with a representative or call a member contact center representative.