A better way to bank in Lynchburg …

Lynchburg Hero

When you choose a Member One checking account, you’re making the choice to join the over 19,000 Central Virginians who have banked on us for better service for over twenty years. We invest in the community by supporting local non-profit organizations, we serve our members with three convenient locations, and we offer all the modern must-haves you expect from your checking account.

Come see us at our Timberlake, Forest, or Lakeside Crossing locations, or open your account online today


One Choice Checking Account

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  • No monthly service fee
  • Free Online Banking
  • Direct deposit and payroll deduction available
  • Unlimited drive-thru and in-person transactions with our friendly staff
  • Visa® Debit Card
  • Cash back rewards with the free Purchase Rewards program 

Smart Choice Checking Account

Have you had trouble opening a checking account elsewhere?  We may be able to help. Call 800-666-8811, or visit a branch location to learn about our Smart Choice Checking Account.

Young Adults 18-26

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Campus Advantage Checking Accounts give young adults fast access to their cash, and professional advice on money management. 

  • No fees
  • Free online banking and bill pay
  • Visa debit card, and much more

Courtesy Pay Plus*

  • Avoid the hassle of a declined debit card
  • Have your overdrafts covered up to a certain amount
  • Save yourself from fees charged by merchants

Purchase Rewards

With Member One Purchase Rewards, you get cash back simply for making purchases with your debit card at select retailers.** It’s easy and it’s free!

  • Make purchases using your Member One debit card.
  • Enjoy cash back on qualifying purchases. 
  • Also available on our mobile app.
  • Rewards will appear in your next billing cycle. 

Looking for youth checking accounts? Right this way.

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Start your checking account online.

*Each overdraft made could incur a $35 fee per item. Transactions, which could impose a fee for paying an overdraft request, include ATM withdrawals, draft clearing, debit card transactions, and ACH debit transactions. Accounts must be brought to a $0 or higher balance within 30 days of the first negative activity. Member One FCU will only pay overdraft requests for debit/ATM card transactions for accounts enrolled in Courtesy Pay Plus and are not negative more than $300 for Smart Choice Checking or $800 for One Choice Checking, are not delinquent on loan(s), the account has not remained negative for 30 days or more, and the member is not deceased and no joint owners exist on the account.

**Percentage savings based on purchases at qualifying purchase rewards retailers and/or restaurants. Qualification based on individual creditworthiness and underwriting standards. Merchants vary by customer and availability.

Become a Member

Experience the credit union difference with great options for every stage of life, modern-day conveniences you expect, and local, personalized service.

Learn more about credit union membership