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.
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
- Access to your funds instantly
- No transaction limits
- Ability to make purchases with your VISA® debit card
- Access to over 30,000 ATMs
- 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
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 January 26, 2020. 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
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 January 26, 2020. 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
Prime Spending Account Rates
| Balance | Rate | APY |
| $0.00 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 and above | 0.20% | 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 January 26, 2020. 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 January 26, 2020. 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.
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.
Online Banking
From paying bills to transferring money, you can do what you want, when you want with Resource One's Online Banking.
Mobile Banking
Access your account information on the go with Resource One's mobile apps. Available for Android and iPhones.
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.
