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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.

Apply Today!

Meet an Account Specialist by Video Chat or Call 800-375-3674

Compare and Select Your Account

Daily Spending Account

Our basic account with your everyday deposit & spending capabilities.

Standard Benefits
= Direct Deposit
= Debit Card
= Send Money
= Online & Mobile Banking
= Credit Score Monitoring
= Direct Deposit
= Mobile Deposit ³

Get Daily Spending

Meet an Account Specialist by Video Chat or Call 800-375-3674

Most Popular

Prime Spending Account

Your spending account for daily purchases and earning interest.

Standard Benefits

= Direct Deposit
= Debit Card
= Send Money
= Online & Mobile Banking
= Credit Score Monitoring
= Direct Deposit
= Mobile Deposit ³

Exclusive Benefits

= Up to $20 a month in ATM Rebates ²

= Earn Interest

= Up to $400 in Cell Phone Protection ^4,5

= Roadside Assistance

= Earn up to 10¢/gallon in fuel rewards ⁶

= Cut monthly bills with Billshark ⁷

= Local & National Retailer Discounts

Get Prime Spending Now

Meet an Account Specialist by Video Chat or Call 800-375-3674

Direct Spending Account

The account if you want a few perks and all the basics.

Standard Benefits
= Direct Deposit
= Debit Card
= Send Money
= Online & Mobile Banking
= Credit Score Monitoring
= Direct Deposit
= Mobile Deposit ⁵

Exclusive Benefits

= Up to $15 a month in ATM Rebates ²

= Up to $400 in Cell Phone Protection ^4,5

= Roadside Assistance

= Local & National Retailer Discounts

Get Direct Spending

Meet an Account Specialist by Video Chat or Call 800-375-3674

Most Popular

Prime Spending Account

Your spending account for daily purchases and earning interest.

Standard Benefits
= Direct Deposit
= Debit Card
= Send Money
= Online & Mobile Banking
= Credit Score Monitoring
= Direct Deposit
= Mobile Deposit ³

Exclusive Benefits

= Up to $20 a month in ATM Rebates ²

= Earn Interest

= Up to $400 in Cell Phone Protection ^4,5

= Roadside Assistance

= Earn up to 10¢/gallon in fuel rewards ⁶

= Cut monthly bills with Billshark ⁷

= Local & National Retailer Discounts

Get Prime Spending Now

Meet an Account Specialist by Video Chat or Call 800-375-3674

Direct Spending Account

The account if you want a few perks and all the basics.

Standard Benefits
= Direct Deposit
= Debit Card
= Send Money
= Online & Mobile Banking
= Credit Score Monitoring
= Direct Deposit
= Mobile Deposit ⁵

Exclusive Benefits

= Up to $15 a month in ATM Rebates ²

= Up to $400 in Cell Phone Protection ^4,5

= Roadside Assistance

= Local & National Retailer Discounts

Get Direct Spending

Meet an Account Specialist by Video Chat or Call 800-375-3674

Daily Spending Account

Our basic account with your everyday deposit & spending capabilities.

Standard Benefits
= Direct Deposit
= Debit Card
= Send Money
= Online & Mobile Banking
= Credit Score Monitoring
= Direct Deposit
= Mobile Deposit ³

Get Daily Spending

Meet an Account Specialist by Video Chat or Call 800-375-3674

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.

Find a Branch or ATM

*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

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 May 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

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. $5.00 monthly maintenance fees. Non-dividend account. Rates as of May 26, 2022. Rates are subject to change without notice.

R1 Cha-Ching Benefits with Direct Spending Accounts

Local Deals

Roadside Assistance

Cell Phone Protection

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

Open Now

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 May 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 May 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...

What 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...

How 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...

Tiered 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 each quarter, we'll cover the transaction, so it doesn't decline and only charge a fee of $20. Additional overdrafts that occur in the same quarter 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 -$10 or less, we won't even charge a fee. The best thing is Tiered Overdraft Privilege resets on the first day of each quarter, saving you even more when an "oops" happens.

Sign up for Tiered Overdraft Privilege