Everyday banking, for everyone.

Send money, pay bills, track your budget, and more with one of four checking accounts designed to meet your unique financial needs. CU1 checking accounts are more than spending accounts—they are an easy way to manage your money wisely and bank on your schedule, anytime and anywhere.


Free Checking

Our standard checking account, made for members who want to bank anytime, anywhere without hidden fees.

  • Free Digital Banking & Online Bill Pay
  • CU1 Debit Card with Secure Chip Technology
  • No Monthly Maintenance Fees
  • And More!
  • Already a Member? Call Now

Get Details Open an Account


High Yield Checking

A checking account that rewards you for everyday banking. Build your balance by earning competitive dividends when you make qualifying transactions each month.

  • Earn 5.25% APY1 on balances up to $10,000 when you make qualifying monthly transactions
  • Free Digital Banking and Online Bill Pay 
  • Get Paid Up to Two Days Sooner2 with Direct Deposit
  • And More!
  • Already a Member? Call Now

Get Details Open an Account

Fighting Irish Program

Become a member of Credit Union 1 through the Fighting Irish Program today, we know you will be happy you did.

Get Details  Open an Account

Free Student Checking

A checking account designed to help students ages 13 to 21 learn budgeting, banking, and good financial habits.

Get Details  Open an Account

Second Chance Checking

A checking account designed to help you bounce back stronger than ever. Second Chance Checking offers the opportunity to get your finances on track.

Get Details  Open an Account

All-Access Checking with CU1

No Hidden Fees

Never pay a monthly service fee with a Free Checking account, or with Plus Checking and Premium Plus Checking when your account is in good standing.

24/7 Digital Banking

Pay bills, transfer funds, track spending, and more through a personalized Digital Banking experience and CU1’s highly rated mobile app.

Bank Nationwide

Bank anywhere without fees thanks to 30,000 CO-OP ATMs and 5,000 shared branch locations across the country.

Why Switch?

Everyday banking with Credit Union 1 has never been easier, and we think switching should be too. Once you open your accounts, you can easily switch your direct deposit and automated payments in a few clicks in Digital Banking.

In ten minutes or less, you’ll be back up and running.

Bank on the go, and switch on the go. It’s all easier with CU1.

Switch Now


All checking accounts are subject to approval. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly. There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Free Checking account. For Plus Checking accounts, if balance falls below the $500 minimum average daily balance requirement there is a $9.95 fee. For Premium Plus Checking accounts, if balance falls below the $50,000 aggregate minimum relationship balance in the member’s Credit Union 1 combined accounts including: Savings Accounts, Checking Accounts, Money Market Accounts, Share Certificates, Loans, and/or Credit Cards, there is a $25 fee. Message and data rates may apply. Check with your mobile carrier for details.

1APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa®️ debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account,  and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY.  Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.

2Early 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.