Spending Accounts

Get More from Your Account

The new & improved checking 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 a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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
  • Mobile Deposit 3

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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
  • 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

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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
  • Mobile Deposit 3

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

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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.

Dallas & Houston

Total R1CU Branches

Over

Shared Branches

Nearly

Surcharge-free* ATMs

*Surcharge-free transactions are available for debit and ATM cardholders of participating credit unions

Daily Spending Account


Features and Benefits

  • Minimum Opening Deposit: $0
  • Monthly Maintenance Fees: $0
  • Daily Balance Requirement: $0
  • Tiered Overdraft Privilege: Up to $1,000 when you opt-in and qualify
  • Interest: This account does not earn interest.
  • ATM Rebates: Not Available

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 March 02, 2024. 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 $1,000 when you opt-in and qualify
  • Interest: This account does not earn interest.
  • ATM Rebates: Receive ATM fee rebates up to $15 per month

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 March 02, 2024. Rates are subject to change without notice.

R1 Cha-Ching Benefits with Direct Spending Accounts

sack dollar (1)
Local Deals
road circle check
Roadside Assistance
mobile notch
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

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Prime Spending Account Rates

balance rate apy
$5,000.00 and above 0.10% 0.10%

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 March 02, 2024. Rates are subject to change without notice.

R1 Cha-Ching Benefits with Prime Spending Accounts

sack dollar (1)
Local Deals
road circle check
Roadside Assistance
eye hearing savings
Eye & Hearing Savings
prescription bottle
Pharmacy Savings
death insurance
Accidental Death Insurance
credit card
Payment Card Fraud Resolution
fingerprint
Personal Identity Theft
chart mixed
Credit Monitoring
gas pump
Bazing Fuel
billshark@3x
Billshark
mobile notch
Cell Phone Protection

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.

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 March 02, 2024. Rates are subject to change without notice.

Meet a Specialist by calling 800-375-3674 or visiting a branch.

Insights & Advice


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.

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.

Refer to our disclosures for more information.

Ready to Get Started?