Personal Checking

Having a personal checking account with us is pretty simple. We can help you choose between Welcome Home, Interest or Basic Checking, all of which offer excellent value. Answer these questions to see what works best for you.

1. Do you have a home loan with UnitedOne, or did you originate a home loan with UnitedOne? This includes a first or second mortgage/home equity loan or line of credit.

If you can answer yes, then you will be very interested in our newest checking account, Welcome Home Checking! If you cannot, please consider moving any current mortgage loan you have with a different lender to UnitedOne, or go to question #2. The following are all included in this valueable checking account package: earn monthly dividends on your entire daily checking balance; no minimum balance required; no monthly service charge; free Visa Check Card that includes automatic ATM access and free unlimited ATM withdrawals (a fee may be charged by owners of non-UnitedOne ATMs); free Internet banking; free Bill Payer; free home banking by phone via Touch Tone Teller; overdraft protection (subject to approval); free first box of checks in your choice of style (excluding Design-A-Check option); unlimited checkwriting privileges and no per check fees; Visa credit card options including "Select Rewards Platinum" (subject to approval); free single or dual signature travelers checks; monthly electronic statements.

2. Can you have direct deposit of your net paycheck, retirement or government check directly deposited to your UnitedOne Credit Union checking account?

If you can, then you're eligible for our FREE checking (if you can't, go to question 3)! No minimum balance, no per check charges, no monthly checking fee. Free online Bill Payer is included, plus you get unlimited free use of your Check Card through the VISA system, unlimited free ATM transactions each month (a fee may be charged by the owners of non-UnitedOne ATMs but we will not charge you to use those ATMs), and unlimited free Internet banking and Touch Tone Teller phone transactions. If you'd like to receive dividends on your checking balance and can maintain a minimum $1,000 daily balance, move ahead to number 7.

3. Are you a full-time student?

If you are, then you're eligible for our FREE Checking (if not, go to question 4)! (If you're age 12 through 18 you're eligible to join our eXtreme Fundz Teen Money Club, click here for details on its benefit-packed checking account.) No minimum balance, no per check charges, no monthly checking fee. Free online Bill Payer is included, plus you get unlimited free use of your Check Card through the VISA system, unlimited free ATM transactions each month (a fee may be charged by the owners of non-UnitedOne ATMs but we will not charge you to use those ATMs), and unlimited free Internet banking and Touch Tone Teller phone transactions.

4. Have you recently taken out a loan with us or will you soon?

If you have or will soon, then you are or will be eligible for our FREE Checking for one year (if no, go to question 5)! No minimum balance, no per check charges, no monthly checking fee. Free online Bill Payer is included, plus you get unlimited free use of your Check Card through the VISA system, unlimited free ATM transactions each month (a fee may be charged by the owners of non-UnitedOne ATMs but we will not charge you to use those ATMs), and unlimited free Internet banking and Touch Tone Teller phone transactions. If you'd like to receive dividends on your checking balance and can maintain a minimum $1,000 daily balance, move ahead to number 7.

5. Do you have or can you keep at least $500 on deposit with us (does not need to be in checking)?

If you do or can, then you will not need to keep any minimum balance in your checking, you will not pay any per check charges, and you will not pay any monthly checking fee (if you answered "no," go to the next paragraph). Free online Bill Payer is included, plus you get unlimited free use of your Check Card through the VISA system, unlimited free ATM transactions each month (a fee may be charged by the owners of non-UnitedOne ATMs but we will not charge you to use those ATMs), and unlimited free Internet banking and Touch Tone Teller phone transactions. If your combined savings and checking balance falls below $500 during any month, you'll pay a low $3 fee for that month. If you'd like to receive dividends on your checking balance and can maintain a minimum $1,000 daily checking balance, move ahead to number 7.

6. If you couldn't answer "yes" to any of the questions above, we still have a very affordable account for you.

You can have unlimited checkwriting privileges with no per check fees, no minimum balance requirement in your checking, free online Bill Payer, unlimited free use of your Check Card through the VISA system, unlimited free ATM transactions each month (a fee may be charged by the owners of non-UnitedOne ATMs but we will not charge you to use those ATMs), and unlimited free Internet banking and Touch Tone Teller phone transactions -- all for a flat monthly checking fee of just $3. Plus, we will automatically not charge you the $3 during any month that you do maintain a combined savings and checking balance of at least $500.

7. INTEREST CHECKING.

If you'd like to receive dividends on your checking balance and can maintain a minimum $1,000 daily checking balance, this is the account for you. Receive all the following at no charge: dividends on daily checking balances of $1,000 or more (a higher rate is paid on daily balances of $2,500 or more); online Bill Payer, unlimited checkwriting; free Check Card with automatic ATM access; unlimited free ATM transactions (a fee may be charged by the owners of non-UnitedOne ATMs but we will not charge you to use those ATMs); free Internet banking and Touch Tone Teller home banking by phone; free pack of 50 Emerald Elegance checks; overdraft protection (subject to approval); Platinum VISA credit card (subject to approval); and free single or dual signature travelers checks. If you do not maintain a minimum daily checking balance of $500 a $5 monthly fee applies.

A minimum deposit of $25 is required to open any checking account with UnitedOne. Any questions? Feel free to contact our Member Service Representatives, or e-mail us at mail@UnitedOne.org .

Last updated 7/01/08.