Checking that fits your everyday life
Your checking account is where real life happens. Paychecks, purchases, bills, and everything in between all flow through it. Energy One’s credit union checking accounts are designed for daily spending and easy money management, with online access, debit card convenience, and low-fee options that help you stay in control of your finances.
Benefits
Everyday features that make managing your money easier, clearer, and more predictable.
Online and Mobile Access Included
Low-Fee Options That Make Sense
Account Alerts & Protection with Card Suite. Download from Google Play or the App Store.
Checking Account Options
Premier One Checking
Our most robust and benefit-packed account. Enjoy no minimum balance requirements, discounts on everything from hotels to healthcare, and thorough identity protection. Connect with us now to start enjoying Premier One Checking advantages.
- No minimum balance required
- Low monthly service fee of only $4.95
- Rewards for every day debit card use and Round Up savings
- Online and mobile banking
- Discounts from thousands of local and national businesses, on healthcare, and more
- Identity protection with IDProtect® and credit monitoring.
Learn more about the advantages of switching to a credit union checking account.
Free One Checking
A free checking account with no strings attached. That means no hidden fees, no minimum balances, and online banking, all for free.
- No minimum balance required
- Free online banking
- No direct deposit required
- Rewards for every day debit card use & Round Up savings
- Free online and mobile banking.
OneUp Checking
A powerful checking account designed for members who want more from their everyday banking. Earn up to 5% APY on balances up to $5,000 when you meet simple monthly requirements. Enjoy the freedom of digital banking, exclusive rewards, and a debit card that works as hard as you do.
- Earn 5% APY on balances under $5,000 and 3% APY on balances over $5,000 and under $25,000¹
- Free online and mobile banking
- Rewards for everyday debit card use and Round Up savings
- No monthly maintenance fees
- Built for members who bank digitally and want their debit card to be their top card.
Why a High-Yield Checking Account Beats Traditional Checking
Money Market eChecking
An online credit union checking account that’s perfect for members doing business electronically. Earn dividends while benefiting from unlimited electronic transactions, free online and mobile banking, and more.
- Unlimited electronic transactions
- Free online banking.
Student Checking
Designed for younger members, our free Student Checking account carries no hidden fees, no minimum balances, and no direct deposit mandates. Open to all students under 25 and to teens aged 15–17 with a parent or guardian’s signature.
- Unlimited electronic transactions
- Free online and mobile banking
- Free debit card with debit card rewards and Round Up savings
- Premier One benefits (with parent/guardian account).
Learn more about Youth Accounts
Compare
| Free Checking | No Monthly Fees | Online Banking | Mobile App | Visa® Debit Card |
Energy One Credit Union | | | | | |
Local Credit Union | | | | | |
Big National Bank | | | | | |
Online-Only | | | | | |
Retail Bank | | | | | |
FAQs
Yes. You can access your checking account at ATMs across the country.
Members have access to a large network of surcharge-free ATMs nationwide.
Yes. Your checking account includes security features, alerts, and federal insurance through the NCUA
No. With online banking, shared branching, mobile tools, and nationwide ATM access, you can bank from anywhere.
Yes. Direct deposit is available for paychecks, benefits, and other recurring income.
Yes. All checking accounts come with a Visa® debit card for everyday purchases and ATM access.
Yes. You can open a checking account online and manage it anytime using online banking and mobile tools.
Yes. Energy One offers free credit union checking account options with no required minimum balance.
Get Started
Choose a money market account that fits your savings goals.
Become a member today.
Get started by opening a free checking account online today.
