Checking & Savings Convenient, Everyday Banking
Get the most out of your Credit Union 1 checking or savings account, which is designed to make everyday banking easier. Send and receive money, pay bills, budget better, set spending alerts, and more.
How to Use Your Deposit Account
Get More from Your Deposit Account
Transfer Money Easily
Access your accounts anytime with Credit Union 1 Digital Banking. Easily transfer funds between internal and external accounts.
Online Bill Pay
Manage all your bills in one place by using CU1 Online and Mobile banking. Conveniently view and make automatic payments anytime, anywhere.
Round It Up
With a CU1 Checking account, Round It Up makes savings automatic by rounding debit card purchases up to the next dollar and sending the change to your savings.
Digital Wallet
With a CU1 Debit Card, conveniently pay retailers when you load your CU1 Visa® Debit Card into Digital Wallet. Debit Cards are provided with a CU1 Checking account.
Checking Account Overdraft Protection
When a transaction exceeds the available balance in a Checking Account, CU1 will automatically review the overdraft protection that a member has set up—starting with transfers from Savings, then an Overdraft Line of Credit, followed by Courtesy Pay. If no overdraft options are available, the item will be returned unpaid, and a $32 NSF fee will apply. Most accounts are initially opened with an overdraft transfer option in place, though members can request to remove it at any time. Additionally, Courtesy Pay fees are waived for transactions of $4.99 or less.
Types of Overdraft Coverage Available
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An automatic transfer from Savings will move the exact amount needed to cover the transaction into the Checking Account. Each transfer includes a $5 fee, and this option can help members avoid larger overdraft charges.
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If approved, an Overdraft Line of Credit will automatically transfer funds in $100 increments to cover any shortages in the account. Each transfer includes a $5 fee, and eligibility is determined based on the member’s creditworthiness.
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If eligible, Courtesy Pay allows CU1 to pay a check or ACH item even when funds are not available, with a $32 Courtesy Pay fee per covered transaction. Members can also opt in to extend this coverage to one-time debit card purchases and ATM withdrawals. Additionally, transactions of $4.99 or less may qualify for a Courtesy Pay fee waiver. To get started, log in to your CU1 account, then select “Courtesy Pay Opt-In or Opt-Out for Debit Cards” to securely submit your request.
Manage Your Credit Union 1 Account Online
Credit Union 1’s Digital Banking gives you secure access to your accounts, 24/7. Pay bills, view real-time balances, and monitor your accounts in one secure place. With CU1’s Digital Banking you can also:
- Set Spending Limits
- Get Real-Time Account Alerts
- Send and Receive Money
- Control Your Debit Card
Download the CU1 Mobile Banking App
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1 Stop Financial Learning
Financial education is key to helping you achieve your goals—that is why we created CU1 Education, a financial literacy blog. Updated regularly with insights and resources, unlock the knowledge to empower yourself on your financial journey. Explore popular blogs and informative blog categories.
What is a High Yield Checking Account?
Most people use a checking account to manage their everyday finances—to pay bills, receive a direct deposit paycheck, make purchases, and more. But certain types of checking accounts, known as high yield checking accounts, can also help you save money.
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How to Avoid Common Checking Account Mistakes
Checking accounts are an important tool for managing day-to-day finances. So it’s important to understand how a checking account works so that you can use it effectively and ensure that you do not make any of the common mistakes that can lead to unnecessary fees. Below are a few of the most important ways you can get the most out of your checking account and manage your finances with confidence.
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What Is Direct Deposit and How Does It Work?
Direct deposit is an efficient and secure way to send money, like paychecks, Social Security benefits, government benefits, tax refunds, and more. Because direct deposit is an electronic transfer of funds directly into your bank account, it eliminates the need for depositing a physical check. This means you will be able to access your money more quickly, without needing to take any extra steps.
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