Online Banking LoginNew User Registration

Homebanking Forgotten Username Reset
Homebanking Forgotten Password Reset

Spending Accounts

Open up an account and open up a world of convenience. Resource One offers a variety of spending accounts to fit your unique lifestyle. Whether you’re switching to Resource One or opening up your first account, we make it easy.

 

Checking Accounts Header

Open Your Spending Account Today

It’s easy to see why you should check with us – first.

Resource One Spending Accounts

We understand your lifestyle needs convenience and flexibility, especially when it comes to managing your money. Our spending accounts are designed with you in mind, giving you great features like no minimum balance, VISA® debit cards, and a nationwide network of surcharge-free ATMs and branches.

Benefits Include

  • VISA® debit card
  • Free direct deposit
  • Federally insured by NCUA to at least $250,000
  • Online account maintenance access through online banking, mobile banking and telesource.

5 Reasons to Open a Spending Account

  1. Access to your funds instantly
  2. No transaction limits
  3. Ability to make purchases with your VISA® debit card
  4. Access to over 30,000 ATMs
  5. Overdraft Protection and Privilege available when you opt-in for the service

Daily Spending Account

Features and Benefits

  • Minimum Opening Deposit: $0
  • Monthly Maintenance Fees: $0
  • Daily Balance Requirement:$0
  • Overdraft Privilege: $300
  • Interest: This account does not earn interest.
  • ATM Rebates: Not Available

Open Now

Daily Spending Account Rates

Balance Rate APY
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of October 18, 2017. Rates are subject to change without notice.

Direct Spending Account

Features and Benefits

  • Minimum Opening Deposit: $50
  • Monthly Maintenance Fees: $3
  • Daily Balance Requirement:$0
  • Overdraft Privilege: $500
  • Interest: This account does not earn interest.
  • ATM Rebates: Unlimited – up to $5 refunded per ATM receipt
  • R1 Cha-ching Offers: Limited Version with Local Deals

Open Now

Direct Spending Account Rates

Balance Rate APY
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $50.00. $3 monthly maintenance fees. Non-dividend account. Rates as of October 18, 2017. Rates are subject to change without notice.

Prime Spending Account

Features and Benefits

  • Minimum Opening Deposit: $100
  • Monthly Maintenance Fees: $7 ($0 if daily balance requirement is met or monthly $1,000 collective direct deposit & 10 debit card transactions)
  • Daily Balance Requirement:$2,500
  • Overdraft Privilege: $1,000
  • Interest: Earn interest when the daily balance is $2,500 (paid quarterly)
  • ATM Rebates: Unlimited – up to $5 refunded per ATM receipt
  • R1 Cha-ching Offers: Full Version with Local Deals and Benefits

Open Now

Prime Spending Account Rates

BalanceRateAPY
$0.00 - $2,499.990.00%0.00%
$2,500.00 and above0.20%0.20%

APY= Annual Percentage Yield. Minimum balance to open $100.00. Minimum balance to earn $2,500.00. Paid quarterly with a daily balance of $2,500.00. Monthly maintenance fee of $7 if daily balance requirement of $2,500.00 is not met or a minimum monthly collective direct deposit of $1,000 & 10 debit card transactions. Rates as of October 18, 2017. Rates are subject to change without notice.

Empower Checking Account

Features and Benefits

  • Minimum Opening Deposit: $25
  • Monthly Maintenance Fees: $20
  • Daily Balance Requirement:$0
  • Overdraft Privilege: $0
  • Interest: This account does not earn interest.

Contact us at 800-375-3674 to open

Empower Checking Rates

Balance Rate APY
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $25.00. Monthly maintenance fee of $20.00. Non-dividend account. Rates as of October 18, 2017. Rates are subject to change without notice.

Included Features and Benefits

All of our spending accounts come with a variety of standard features and benefits.

VISA® Debit Card

Resource One can instantly issue your new VISA® Debit Card at any of our branches. If you open your account online, your VISA® Debit Card will arrive by mail.

Learn More

Overdraft Protection & Privilege Pay

Resource One offers multiple overdraft protection options with fees as low as $5 or $30, so you won't get declined at the register.

Learn More

Bill Pay

Resource One Bill Pay Service is available to pay your monthly bills online through Resource One's Online Banking service.

Learn More

Online Banking

From paying bills to transferring money, you can do what you want, when you want with Resource One's Online Banking.

Learn More

Mobile Banking

Access your account information on the go with Resource One's mobile apps. Available for Android and iPhones.

Learn More

My Money Manager

Use My Money Manager to manage all of your accounts in one place. Track your spending, set goals and more!

Learn More

eStatements

Why wait for the mail when you can receive your statements electronically? eStatements are at your fingertips on the first day of every month, they're safer and more secure than traditional mailings, and they're free.

Learn More

Mobile Deposit

If you can take a picture, you can deposit your check. Seriously. Deposit checks anytime, anywhere, simply by snapping a photo with your smartphone or tablet.

Learn More

Telesource

Enjoy checking your balance, transferring money from one account to another, receiving the history of your account or verifying the status of a check from anywhere using our automated telephone system. Call 800-375-3674.

NCUA Logo Equal Housing Logo

© 2017 Resource One Credit Union. All rights reserved.