Free Checking


Free Checking

No monthly service fees—ever.

Everyday banking should be simple, secure, and most of all, free. Get everything you need to bank on your schedule with personalized Digital Banking, CU1’s highly rated mobile app, more than 30,000 fee-free CO-OP ATMs nationwide, and more.

Open an Account Already a Member? Call Now

Do More with CU1 Free Checking

Open an Account

Budget Better

Manage your personalized dashboard in Digital Banking, where you can track spending, set up alerts, and track progress toward your money goals.

Move Money Easily

Transfer funds within CU1 and to and from your accounts at other financial institutions. Plus, send and receive money with Zelle®. 

Pay Bills Quickly

In Digital Banking, pay a one-time bill or set up AutoPay to ensure your important bills always get paid on time.

Spend Securely

CU1 debit cards have chip technology—plus lock your card any time with advanced card controls in the mobile app.

Get Paid Sooner

Members with direct deposit to a CU1 Checking Account get paid up to two days sooner with CU1 Early Pay1, no special steps required.

Set Up for Savings

Round It Up makes savings a no-brainer by rounding purchases up to the next dollar and sending the change to your savings.

Open an Account in Minutes


A simple, self-service option to open your Free Checking account quickly, at your convenience.

Open an Account

In Person

Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.

Schedule an Appointment

or Find a Location

Over the Phone

Our Member Solutions Specialists are available by phone Monday through Friday, 9:00 am – 6:00 pm CST.

Call 800.580.2479

24/7 Banking Access

CU1 wants you to have your money at your fingertips, wherever you go. When you become a member, you can expect a modern experience that makes everyday banking a breeze.

CU1 offers:

  • A Highly Rated Mobile App (iOS & AndroidTM)
  • Personalized Digital Dashboard
  • Advanced Card Controls
  • Digital Wallets
  • Online Bill Pay
  • Easy Digital Transfer

And More!


Bank Smarter with Credit Union 1

1 Stop Financial Learning

Good financial health is a journey, with lots of learning along the way. Whether you are signing up for your first checking account or planning for retirement, Credit Union 1 wants to pass along our knowledge. Because our first love is banking, and our first priority is helping you achieve your goals.


How to Avoid Common Checking Account Mistakes

Understanding how your checking account works will help you use it effectively and avoid the common mistakes that can lead to unnecessary fees.

Read More


5 Ways Digital Banking Makes Managing Your Finances Easier

Digital Banking makes managing your everyday finances effortless—here are five ways you can use it to stay on top of money management and achieve your goals.

Read More


What’s the Difference Between a Credit Union and a Bank?

Credit unions are the alternative to big banks that might just be right for you and how you manage your everyday finances. Learn more about the major differences between these two financial institutions.

Read More


All checking accounts are subject to approval. There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Free Checking account. Message and data rates may apply. Check with your mobile carrier for details. The App Store is a trademark of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google LLC. Zelle® and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

1Early access to direct deposit funds is a free, automatic feature and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals.