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Spending Accounts

Choose the spending account that fits you!

Prime Spending Account

Up to $20 ATM Rebates • Earn Interest • R1 Cha-ching Offers

Direct Spending Account

Up to $15 ATM Rebates• R1 Cha-ching Local Deal Offers

Daily Spending Account

No Service Charges • Online Banking Benefits

Open up an account and open up a world of convenience. Resource One offers a variety of spending accounts to fit your unique lifestyle.

Prime Spending Account

Opening Deposit $100
Tiered Overdraft Privilege Up to $1,000, when you opt-in and qualify
ATM Rebates1 Receive ATM fee rebates, up to $20 per month
Earn Interest
$5,000 minimum daily balance
R1 Cha-ching Offers
Local Deals and Benefits
Service Charge $9 per month
Avoid Service Charge?
$5,000 minimum daily balance OR $1,000 monthly combined direct deposit & 20 debit card transactions
R1 Cha-ching Offers
  • R1 Cha-ching Savings
    Local discounts and national retailer deals to save you money on shopping, dining, travel, and more.
  • Cell Phone Protection1,2
    Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.
  • Identity Theft Protection
    Includes payment card protection, $2,500 in personal identity protection and identity theft aid.
  • Roadside Assistance
    Available 24/7 and free to use, up to $80 in service charges.
  • Pharmacy, Vision and Hearing Savings
    Save money on prescriptions, eye exams, frames, lenses, and hearing services.
  • Credit Monitoring
    Help guard against fraud and misuse of your identity by reviewing your credit report from all three major bureaus and with continuous (24/7) identity protection.
  • Travel Accidental Death Coverage1
    Peace of mind for the unexpected.
  • Bazing Fuel4
    Earn 10¢/gal for up to 20 gallons each month, by using the linked debit card for 15 qualifying transactions in the month.
  • Billshark3
    Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.

Direct Spending Account

Opening Deposit $50
Tiered Overdraft Privilege Up to $500, when you opt-in and qualify
ATM Rebates1 Receive ATM fee rebates, up to $15 per month
Earn Interest
Not available
R1 Cha-ching Offers
Local Deals, Roadside Assistance, Cell Phone Protection
Service Charge $5 per month
Avoid Service Charge?
Not available
R1 Cha-ching Offers
  • R1 Cha-ching Savings
    Local discounts and national retailer deals to save you money on shopping, dining, travel, and more.
  • R1 Cha-ching Roadside Assistance
    Available 24/7 and free to use, up to $80 in service charges.
  • R1 Cha-ching Cell Phone Protection1,2
    Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

Daily Spending Account

Opening Deposit $0
Tiered Overdraft Privilege Up to $300, when you opt-in and qualify
ATM Rebates1
Not available
Earn Interest
Not available
R1 Cha-ching Offers
Not available
Service Charge $0 per month
Avoid Service Charge?
Not available

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.

Additional Features

All spending accounts receive the following features:

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.

VISA Debit Card

Online Banking

From paying bills to transferring money, you can do what you want, when you want with Resource One's Online Banking.

Online Banking

Bill Pay

Resource One Bill Pay Service is available to pay your monthly bills online through Resource One's Online Banking service.

Bill Pay

Mobile Banking

Access your account information on the go with Resource One's mobile apps. Available for Android and iPhones.

Mobile Apps

eStatements

Why wait for the mail when you can receive your statements electronically? eStatements are at your fingertips on the first day of every month, they're safer and more secure than traditional mailings, and they're free.

eStatements

Send Money

All you need is a mobile phone number or email address to send money to anyone, anytime and anywhere, with Resource One’s Send Money–Powered by PopMoney.

Send Money

Mobile Deposit

5

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.

Mobile Deposit

Restrictions may apply; see credit union for details.

1 Subject to the terms and conditions detailed in the Guide to Benefits. 2 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. 3 Billshark, identity monitoring and credit monitoring require additional activation for monitoring to begin. 4 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 linked account debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. 5 ATM Rebates: Up to $5.00 refunded per ATM receipt. 6 Mobile deposit feature requires additional qualifications.

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© 2021 Resource One Credit Union. All rights reserved.

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.