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.
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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.
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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.
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All checking accounts are subject to approval. Message and data rates may apply. Check with your mobile carrier for details.
1Requirements 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.
2There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Free Checking account.
3APY= 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.
4Early 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.