Second Chance Checking | Credit Union 1

Get on Track with CU1 Second Chance Checking¹

Get Paid Sooner

Members with direct deposit to a CU1 Checking Account get paid up to two days sooner with CU1 Early Pay⁴, no special steps required.

Budget Better

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

Spend Securely

Receive a CU1 Visa® Debit Card with chip technology. Plus, lock your card any time with advanced card controls in the mobile app.

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.

Make Mobile Deposits

Easily deposit checks through the CU1 Mobile App. Plus, easily transfer funds between accounts through Digital Banking.

Pay Bills Quickly

With free Online Bill Pay through Digital Banking, pay a one-time bill or set up AutoPay to ensure your important bills always get paid on time.

Build Money Skills with CU1 Financial Wellbeing

Everyone is different, and that impacts how you handle money. With CU1 Financial Wellbeing, simply answer a few quick questions and the platform will build a personalized action plan to enhance your money management skills. CU1 Financial Wellbeing is free for all CU1 members! When you sign up, you gain access to:

Financial recommendations tailored to you
Suggested content on everything from budgeting to saving for retirement
An analysis of your money personality
Video tutorials with easy, everyday money tips and tricks
In-depth financial courses with progress tracking
And more!

Get Started

Online

A simple, self-service option to open your Second Chance 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

Have Questions?

Our Member Solutions Specialists are available to answer questions over the phone Monday through Friday, 9:00am - 6:00pm 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
Personalized Digital Dashboard
Advanced Card Controls
Digital Wallets
Online Bill Pay
Easy Digital Transfers

Learn More Register for Digital Banking

All checking accounts are subject to approval. Message and data rates may apply. Check with your mobile carrier for details.

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Requirements to have a 2nd Chance Checking: 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 2nd Chance Checking is established, (3) have minimum aggregate deposits totaling $1,000 deposited into the 2nd Chance Checking per calendar month. Deposits made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these 2nd Chance Checking requirements. If Requirements are not met, the 2nd Chance Checking account will be closed.

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There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Free Checking account.

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APY= 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. 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. 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.

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Early 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.

Get on Track with CU1 Second Chance Checking¹

Get Paid Sooner

Budget Better

Spend Securely

Set Up for Savings

Make Mobile Deposits

Pay Bills Quickly

Build Money Skills with CU1 Financial Wellbeing

Online

In Person

Have Questions?

24/7 Banking Access

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

Bank With Us

Learn

About

Resources

Second Chance Checking¹

An account designed to help you make a financial comeback.

Get on Track with CU1 Second Chance Checking1

Get Paid Sooner

Budget Better

Spend Securely

Set Up for Savings

Make Mobile Deposits

Pay Bills Quickly

Build Money Skills with CU1 Financial Wellbeing

Online

In Person

Have Questions?

24/7 Banking Access

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

Bank With Us

Learn

About

Resources

Get on Track with CU1 Second Chance Checking¹