Checking That Fits the Way You Bank
Whether you want simple everyday checking or an account that rewards the way you bank, CUOne makes it easy to choose the checking account that fits you.
Free Checking
Straightforward everyday checking with no monthly service charge and no minimum balance requirement.
Rewards Checking
Earn dividends and rewards when you make CUOne your everyday checking account.
Free Checking
Everyday checking. No monthly service charge.
Keep everyday banking simple with Free Checking.
There is no monthly service charge, no minimum balance requirement, and no monthly activity requirement. You still get the convenient digital banking tools you expect from CUOne.
- $0 monthly service charge
- No minimum balance requirement
- No monthly activity requirements
- $25 minimum deposit to open
Monthly Service Charge $0
No minimum balance requirement.
Rewards Checking
Make your everyday banking more rewarding.
Earn dividends and rewards for using CUOne as your everyday checking account.
If CUOne is your primary checking account, Rewards Checking gives you more in return. Earn dividends on your balance and My Rewards+ points with qualifying CUOne Visa® Debit Card purchases.
- Earn 2.53% APY* on balances up to $10,000 when monthly requirements are met
- Earn 0.10% APY* on balances above $10,000 when monthly requirements are met
- Earn My Rewards+ points with qualifying debit card purchases
- Redeem points for cash back, gift cards, merchandise, travel, and more
- One NSF fee refund per month upon request
Qualify for 2.53% APY each month.
Complete these three monthly requirements to earn 2.53% APY on balances up to $10,000.
1
25 Debit Card Transactions Complete 25 qualifying debit card transactions during the month.
2
$1,500 Direct Deposit Receive at least $1,500 in qualifying direct deposits during the month.
3
eStatements Be enrolled in CUOne eStatements.
$5 monthly service charge.
$25 minimum deposit to open.
No minimum balance requirement.
Earn Up To 2.53%
APY* on balances up to $10,000.
When monthly requirements are met.
Included With Every CUOne Checking Account
Whichever account you choose, convenient everyday banking comes standard.
- Contactless Visa® Debit Card
- CUOne Mobile and Online Banking
- Mobile Check Deposit
- Online Bill Pay
- eStatements
- Apple Pay® and Google Pay™
- MoneyMovement Personal Finance Manager
- Access to 33,000+ fee-free ATMs nationwide
Which Checking Account Fits You?
Compare the key differences between Free Checking and Rewards Checking.
Free Checking
Monthly Service Charge $0
Monthly Requirements None
Dividend None
Rewards Program None
Rewards Checking
Monthly Service Charge $5
Monthly Requirements Yes, to earn dividends
Dividend Up to 2.53% APY*
Rewards Program My Rewards+ points on qualifying purchases
*APY = Annual Percentage Yield. To earn the highest Rewards Checking dividend rate, complete 25 debit card transactions per month, with transactions posting by the last calendar day of the month, receive monthly direct deposits totaling $1,500 or more, and be enrolled in eStatements. If qualifications are not met, the account earns the applicable default APY. Rates and APYs are subject to change. Limit one account per primary Social Security Number. See the current Truth in Savings Disclosure for complete account terms and conditions.
A $25 deposit is required to open a checking account. Unlimited deposits are permitted. See the Membership Agreement, Truth in Savings Disclosure, Fee Schedule, and other applicable account disclosures for complete terms and conditions.