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Resource One CU: Spending Accounts

It may have been years since you wrote a physical check to pay for goods and services, but the fact remains that the checking account is still many Americans’ primary spending account. When you open a Resource One Checking Account, you open up a world of convenience, flexibility and unique benefits. You can instantly access your funds, make purchases, use ATMs for quick withdrawals and more.

Whether you already have a Resource One Savings Account or are considering Resource One Membership, taking the next step to manage your money better is easy. With our online application and just a few pieces of information to verify your identity, you can open an account in minutes. And, while we offer several different types of spending accounts so you can find one that suits your specific financial needs, you’ll enjoy significant benefits no matter which option you choose.

You’ll find that all Resource One Checking Accounts come equipped with a great selection of standard benefits.

Get safe, easy access to your account with a Resource One VISA® debit card. You can also track and monitor your spending and get cash 24/7.

Pay bills, transfer funds, access eStatements, send money, apply for a loan and so much more using online banking.

Don’t get declined at the register! Pick from a number of opt-in overdraft protection options with per-transaction fees as low as $3.

Schedule recurring payments online through Resource One Online Banking.

Get insights on your spending, track your expenses, identify spending trends over time and set goals with My Money Manager.

If you’re managing your money online, it only makes sense to view your statements online, too. Plus, you’re saving paper and reducing clutter.

Use your mobile device to deposit checks anytime, anywhere.

Access your account on the fly with our mobile apps, available on both Android and Apple devices.

  • Telesource

Our automated telephone system allows you to check your balance, transfer money, verify a check’s status or access your account history.

  • Free direct deposit
  • Federal insurance up to $250,000
  • No minimum balance

Now, take a look at our specific offerings to decide which one is best for you.

Daily Spending Account

  • 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

Direct Spending Account

  • 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 digital coupon offers: Limited Version with Local Deals

Prime Spending Account

  • Minimum Opening Deposit: $100
  • Monthly Maintenance Fees: $7 ($0 if daily balance or other requirements are met)
  • Daily Balance Requirement: $2,500
  • Overdraft Privilege: $1,000
  • Interest: Earn .20% APY when your daily balance is $2,500
  • ATM Rebates: Unlimited — up to $5 refunded per ATM receipt
  • R1 Cha-ching Offers: Full Version with Local Deals and Benefits

Empower Checking Account

  • Minimum Opening Deposit: $25
  • Monthly Maintenance Fees: $20
  • Daily Balance Requirement:$0
  • Overdraft Privilege: $0
  • Interest: This account does not earn interest.

Resource One is a member-owned and not-for-profit credit union serving Dallas and Houston. Our goal is to provide “total member delight.” Learn what that means for yourself and apply for a Resource One Membership today to discover all the benefits you’ll enjoy when you make Resource One your primary financial institution.

 

 

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Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.