Compare Checking Accounts

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Student Express Checking & Debit Card
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Learning, living, saving

Express Checking & Debit Card
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Everyday needs, everyday solutions

Express Plus Checking & Debit Card
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Everyday needs, earning dividends

Express Premium Plus Checking & Debit Card
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Premier solutions for premier needs

Yes Access to nearly 30,000 CO-OP ATMs and 5,000+ Shared Branches Yes Access to nearly 30,000 CO-OP ATMs and 5,000+ Shared Branches Yes Access to nearly 30,000 CO-OP ATMs and 5,000+ Shared Branches Yes Access to nearly 30,000 CO-OP ATMs and 5,000+ Shared Branches
Yes FREE Online Banking and Online Bill Pay1 Yes FREE Online Banking and Online Bill Pay1 Yes FREE Online Banking and Online Bill Pay1 Yes FREE Online Banking and Online Bill Pay1
Yes FREE eStatements Yes FREE eStatements Yes FREE eStatements Yes FREE eStatements
Yes CU1 Mobile Banking2 Yes CU1 Mobile Banking2 Yes CU1 Mobile Banking2 Yes CU1 Mobile Banking2
Yes CU1 Debit Card with chip technology Yes CU1 Debit Card with chip technology Yes CU1 Debit Card with chip technology Yes CU1 Debit Card with chip technology
Yes 24/7 telephone access using 1-Touch Yes 24/7 telephone access using 1-Touch Yes 24/7 telephone access using 1-Touch Yes 24/7 telephone access using 1-Touch
Yes CU1 fee waived at non-CU1 ATMs (4 times per month)3 Yes CU1 fee waived at non-CU1 ATMs (4 times per month)3 Yes CU1 fee waived at non-CU1 ATMs (4 times per month)3 Yes CU1 fee waived at non-CU1 ATMs (unlimited)3
Yes No monthly service fee Yes No monthly service fee Yes No monthly service fee when
Minimum Account Requirements met
Yes No monthly service fee when
Minimum Account Requirements met
NoEarns dividends NoEarns dividends Yes Earns dividends (See Savings Rate Sheet) Yes Earns dividends (See Savings Rate Sheet)
NoFee waived for Checks4 NoFee waived for Checks4 Yes Fee waived for Checks4 Yes Fee waived for Checks4
NoFee waived for Cashier’s Checks NoFee waived for Cashier’s Checks Yes Fee waived for Cashier’s Checks Yes Fee waived for Cashier’s Checks
NoFee waived for Stop Payments NoFee waived for Stop Payments NoFee waived for Stop Payments Yes Fee waived for Stop Payments
NoFee waived for outgoing Wire Transfers NoFee waived for outgoing Wire Transfers NoFee waived for outgoing Wire Transfers Yes Fee waived for outgoing Wire Transfers
NoFee waived for insufficient funds or returned items if you have 4 or fewer occurrences in previous 12 months5 NoFee waived for insufficient funds or returned items if you have 4 or fewer occurrences in previous 12 months5 NoFee waived for insufficient funds or returned items if you have 4 or fewer occurrences in previous 12 months5 Yes Fee waived for insufficient funds or returned items if you have 4 or fewer occurrences in previous 12 months5

Account Minimum Requirements

Minimum Deposit to Open6

$25

Account Minimum Requirements

Minimum Deposit to Open6

$25

Account Minimum Requirements

Minimum Deposit to Open7
$500
Minimum Balance to Earn Dividends8
$.01

Account Minimum Requirements

Minimum Deposit to Open
$500
Minimum Balance to Earn Dividends8
$.01
$50,000 or greater Credit Union 1 relationship9

Disclosures & Important Information

For complete terms governing accounts, please consult the Membership Agreement & Account Disclosures booklet, Fee Schedule, and Savings and Lending Rate Sheets.

Student Express Checking available for students ages 13 - 21. All Checking Accounts are subject to approval.

1Online Bill Pay is offered to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an Eligible Transaction Account in the name of the minor with a parent or guardian as a co-signor or guarantor.

2Message and data rates may apply. Check with your mobile carrier for details.

3Credit Union 1 charges $1.00 for transactions performed at non-Credit Union 1 ATMs. Transactions include: inquiries, transfers or withdrawals. Fees from the ATM owner still apply.

4Price does not include tax and delivery. Prices vary depending on check style and options selected.

5An occurrence happens any business day that at least one (1) item is presented or withdrawal request is made against an account with insufficient funds.

6There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Student Express Checking and Express Checking.

7If balance falls below the $500 minimum average daily balance requirement, there is a $9.95 fee.

8Dividends are calculated using Average Daily Balance and are paid and compounded monthly.

9If 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.

 

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