Basic Checking
A simple, no‑minimum‑balance checking account that makes everyday money management effortless.
A simple, no‑minimum‑balance checking account that makes everyday money management effortless.
Basic Checking gives you the essentials you need to handle your day-to-day spending with confidence.
It’s simple, convenient, and built to support your routine — whether you’re paying bills, using your debit card, or keeping an eye on your balance from anywhere.
You can open an account online in minutes from a phone, tablet, or computer. It’s fast, secure, and convenient access built to fit your life.
A Basic Checking account saves you time as well as money with:
Our RoundUp option allows you to build your savings without doing anything other than using your debit card. We'll round up each of your debit card purchases to the nearest dollar, and at the end of each day, transfer that amount to your Primary Share Savings account.
Use Digital Banking or your debit card at least once per month to avoid a $5 monthly fee. Enroll in E-Statements to avoid a $5 paper statement fee for this account.
Courtesy Pay^^ is a discretionary service that may cover eligible transactions when your balance is short, helping you avoid returned items and potential merchant return fees while you make a deposit. It is not a line of credit, and payment is never guaranteed. If we pay an overdraft, a $28 fee per item applies, and coverage is generally limited to $500 on non interest bearing accounts or $700 on interest bearing accounts. ATM and one time debit card overdrafts require you to opt in. See our Fee Schedule and for full details.
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.
Yes, I want Rewards Checking! Mobile Wallet Visa® Debit Card
^^Courtesy Pay is a discretionary service, not a right or obligation. UnitedOne Credit Union may pay overdrafts at its sole discretion and can discontinue this service at any time without prior notice. All overdraft amounts, including fees, are due and payable upon demand.
Members are required to bring their account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. This is part of maintaining the account in good standing, which is necessary for continued eligibility for Courtesy Pay overdraft services.
Circumstances When the Credit Union Will Not Pay an Overdraft
For complete terms, conditions, and eligibility requirements, please refer to your Membership and Account Agreement and the . Payment of overdrafts is never guaranteed.
This link leaves the United One website.