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Spending Accounts
The new & improved checking account.
Get More from Your Account
Our members know the benefits that come with a Resource One Spending Account, the new and improved checking account. We offer several options to select from the super saver, the discount finder, to the earn more with your money; we have the account that is just right for you. Now is the perfect time to open a Resource One Spending Account through Video Chat, on the phone at 800-375-3674, in a branch that is convenient to you, or with our easy online application.
Meet an Account Specialist by Video Chat or Call 800-375-3674
Compare and Select Your Account
Direct Deposit
Debit Card
Send Money
Online & Mobile Banking
Credit Score Monitoring
Mobile Deposit 3
Most Popular
Standard Benefits
Direct Deposit
Debit Card
Send Money
Online & Mobile Banking
Credit Score Monitoring
Mobile Deposit 3
Exclusive Benefits
Direct Deposit
Debit Card
Send Money
Online & Mobile Banking
Credit Score Monitoring
Mobile Deposit 5
Exclusive Benefits
Most Popular
Direct Deposit
Debit Card
Send Money
Online & Mobile Banking
Credit Score Monitoring
Mobile Deposit 3
Exclusive Benefits
Direct Deposit
Debit Card
Send Money
Online & Mobile Banking
Credit Score Monitoring
Mobile Deposit 5
Exclusive Benefits
Direct Deposit
Debit Card
Send Money
Online & Mobile Banking
Credit Score Monitoring
Mobile Deposit 3
Coast-to-Coast Access
No matter where you are, we are always within reach. Access your accounts through our nationwide network of over 5,000 shared branches and nearly 30,000 surcharge-free* ATMs.
*Surcharge-free transactions are available for debit and ATM cardholders of participating credit unions
Over
5,000
Shared Branches
Nearly
30,000
Surcharge-free* ATMs
Daily Spending Account
Features and Benefits
- Minimum Opening Deposit: $0
- Monthly Maintenance Fees: $0
- Daily Balance Requirement: $0
- Tiered Overdraft Privilege: Up to $300 when you opt-in and qualify
- Interest: This account does not earn interest.
- ATM Rebates: Not Available
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 November 26, 2022. Rates are subject to change without notice.
Direct Spending Account
Features and Benefits
- Minimum Opening Deposit: $50
- Monthly Maintenance Fees: $5
- Daily Balance Requirement: $0
- Tiered Overdraft Privilege: Up to $500 when you opt-in and qualify
- Interest: This account does not earn interest.
- ATM Rebates: Receive ATM fee rebates up to $15 per month
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. $5.00 monthly maintenance fees. Non-dividend account. Rates as of November 26, 2022. Rates are subject to change without notice.
R1 Cha-Ching Benefits with Direct Spending Accounts
Prime Spending Account
Features and Benefits
- Minimum Opening Deposit: $100
- Monthly Maintenance Fees: $9 (Waive the monthly service fee by: (1) maintain an average daily balance of $5,000 or more; or (2) monthly direct deposits totaling at least $1,000 and 20 debit card transactions per month (PIN or Signature).
- Daily Balance Requirement: $5,000
- Tiered Overdraft Privilege: Up to $1,000, when you opt-in and qualify
- Interest: Earn interest when the daily balance is $5,000 (paid quarterly)
- ATM Rebates: Receive ATM fee rebates Up to $20 per month
Prime Spending Account Rates
| Balance | Rate | APY |
| $5,000.00 and above | 0.05% | 0.05% |
APY= Annual Percentage Yield. Minimum balance to open $100.00. Minimum balance to earn $5,000.00. Paid quarterly with a daily balance of $5,000.00. Monthly maintenance fee of $9.00 (Waive the monthly service fee by: (1) maintain an average daily balance of $5,000.00 or more; or (2) monthly direct deposits totaling at least $1,000.00 and 20 debit card transactions per month (PIN or Signature). Fees could reduce earnings on the account. Rates as of November 26, 2022. Rates are subject to change without notice.
R1 Cha-Ching Benefits with Prime Spending Accounts
Empower Checking Account
Features and Benefits
- Minimum Opening Deposit: $25
- Monthly Maintenance Fees: $20
- Daily Balance Requirement: $0
- Tiered 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 November 26, 2022. Rates are subject to change without notice.
Account Insights & Advice
How to Open a Checking Account
Opening a checking account is often the first step toward establishing a new banking presence. Whether you are getting your kids started with banking to teach them about money management and financial responsibility or setting up a new bank account following a cross...
read moreWhat You Need to Open a Business Bank Account
If you are starting a new business, one of the first steps you’ll need to take is to open a business bank account. While you may be seeding your startup with your own cash, that doesn’t make it a good idea to use your personal bank account for all business expenses...
read moreHow Does a Money Market Account Work?
Money market accounts are often pitched as the go-to banking account solution if you want your money to work for you. These accounts pair many of the most desirable features of a checking account with the perks of a savings account. As a result, they are a perfect...
read moreTiered Overdraft Privilege
When life happens, we've got you covered.
We understand that life happens. That's why we offer Tiered Overdraft Privilege (Tiered ODP) as a lifeline for unexpected overdrafts. Here's how it works: Tiered ODP is a service offered for all eligible member spending and business checking accounts. After all other overdraft options have been exhausted, Tiered ODP covers transactions that would otherwise return due to an insufficient available balance. This means Tiered ODP allows you to overdraft your account up to your coverage limit. There is no base cost to take advantage of this service (you are only charged if you use this service) and, even if you have Overdraft Protection, Tiered Overdraft Privilege is still available as secondary coverage. Although using Tiered Overdraft Privilege protects you from overdrawing your account, a fee will be assessed per transaction if you choose to use the service. You may refer to our fee schedule for more information.
How does Tiered Overdraft Privilege work?
The first time you overdraft, we'll cover the transaction, so it doesn't decline and only charge a fee of $20. This will be analyzed semi-annually (January - June, and July - December). Additional overdrafts that occur in the same semi-annual period will receive a $35 fee. We understand the small charges happen, too; that's why if you overdraft your account with a transaction and the account balance is -$50 or less, we won't even charge a fee. The best thing is Tiered Overdraft Privilege resets on the first day of January and July, saving you even more when an "oops" happens.
Ready to Get Started?
Virtual Branch
Ready to apply now, meet with our virtual branch staff through video chat.Apply in Person
Visit any of our locations to start the process of your new loan.Apply by Phone
Questions? Call us anytime to speak with a specialist.1-800-375-3674
