FAQs

To protect yourself from fraud and scams it is important that you stay alert. Check your accounts often and be sure to report any unrecognized transactions. You can also stay up to date on common scams by watching/reading the news and using other resources provided by agencies such as the FBI, FTC and Social Security. Learn more here at our Security center. 

If suspicious activity is detected on your account, you'll instantly get an automated fraud alert via text. If we're unable to reach you through text, a Digital Voice alert will be sent to your mobile phone, home phone and email.

Automated fraud alerts allow instant two-way communication to quickly address questionable card activity. Confirm a valid transaction or stop a fraudulent one through simple text commands. 

Your E-Statement is stored securely behind our Online Banking firewalls.

To file a claim for credit life, credit disability, guaranteed asset protection and/or mechanical repair coverage please call TruStage 800 752-6265.

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismemberment (AD&D). Enrolling must be done by contacting TruStage directly at 855 591-9026.

Credit Insurance coverage helps reduce or payoff the covered loan up to the policy maximum after a covered injury or death.  The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disability Insurance will make the payments in the event the member becomes sick or injured. Learn more about Credit Life & Disability insurance.

Guaranteed Asset Protection (GAP) is intended to reduce or eliminate the gap between what the vehicle insurance will pay and what is owed on the loan, if the vehicle is deemed a total loss due to accident or theft.  Learn more about Guaranteed Asset Protection (GAP) insurance online. To apply for GAP insurance, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch.

Mechanical Repair Coverage (MRC) helps cover repair costs on new and eligible used vehicles — even after the manufacturer’s warranty expires.Our Mechanical Repair Coverage page explains all the details.

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! 

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.