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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
- $500 per transaction, $1200 per day (debit), $5000 per day (credit).
- 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
- 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 October 22, 2021. 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 October 22, 2021. 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 October 22, 2021. 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 October 22, 2021. Rates are subject to change without notice.
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.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.
Ready to Get Started?
Virtual Appointment
Ready to apply now, use our virtual video appointment to meet with your representative.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
