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We are aware of a credit and debit card fraud ring that is currently impacting our members. Be aware of scammers calling, texting, and emailing, asking for your account or card number, pretending to be from Member One. NEVER give out this personal information over the phone or if it's solicited via text or email. Protect yourself and please call us directly at 800.666.8811 if you have any questions.
Virginia Credit Union and Member One Federal Credit Union announce intent to merge. Learn more.
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Smart Choice Checking

Issues with checking accounts in the past? Member One may be able help with our Smart Choice option! This account has a $10 monthly fee, which after a year of on-time payments, you can apply for our One Choice Checking account. To open this account, call 800.666.8811 or visit a retail center today!

Enjoy the benefits of Smart Choice:

Visa® Debit Card

Receive your debit card instantly when you open your account at a retail center.

Get Your Paycheck Sooner

Get paid up to two days sooner* when you set up direct deposit with Member One.

Digital Wallet

Securely store your debit card information to make purchases at stores or online with your smartphone or other device with Apple Pay®, Google Pay™, or Samsung Pay.

Mobile & Online Banking Options

Digital banking solutions from your computer or your smartphone with our mobile app.***

e-Statements

Take advantage of this FREE, fast, convenient, and secure way to stay on top of your account's activity.

Easily get cash

Make ATM withdrawals from more than 55,000 surcharge-free locations worldwide.

Courtesy Pay**

If funds are tight, we can temporarily help you cover an overdraft of up to $300.

Mobile Deposit

Have a check? Deposit it anytime, anywhere, with your smartphone.

All Member One Checking Accounts

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One Choice Checking
For your everyday banking needs
Apply Now
  • No monthly maintenance fee
  • No minimum balance requirements
  • Dividends earned on balances of at least $50,000
  • $800 Courtesy Pay** limit
Learn More
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Campus Advantage Checking
A flexible checking account with great benefits
Apply Now
  • No monthly maintenance fees
  • Free money orders and official checks
  • Free non-Member One ATMs without Member One fees
  • Dividends earned on balances of at least $50,000
  • $300 Courtesy Pay** limit
Learn More
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Smart Choice Checking
Build good checking habits and get back on track!
  • $10 per month for the first year, after which you can apply for a One Choice account
  • $300 Courtesy Pay** limit
  • Call 800.666.8811 or visit a retail center to open an account.
Learn More

*Early access to funds is dependent on payer submission of direct deposit and standard fraud prevention restrictions. Call 800.666.8811 or visit a retail location for details. Membership eligibility required. Federally insured by NCUA.

**To qualify for our Courtesy Pay program, you must be at least 18 years of age; your checking account must be opened for 60 days and your account in good standing, which includes: Bringing your account to a positive balance within a 30-day period for a minimum period of 24 hours, no delinquencies, charge-offs, or legal orders against your Member One account(s), and no return mail, dormant, or inactive status on your Member One account. We will not authorize and pay overdrafts for the following types of transactions unless you opt-in to Courtesy Pay Plus (CPP): ATM withdrawals and everyday debit card transactions (such as one-time debit card and ATM card purchases). A Courtesy Pay fee may be assessed each time Courtesy Pay is used to pay an overdraft. A Non-sufficient Funds (NSF) fee of $35 will be assessed for any returned (unpaid) item or overdrawn status. The breakdown of Courtesy Pay fees is as follows: For an overdraft amount of $0.00 to $4.99 there will be a $0.00 fee assessed to the checking account. For an overdraft amount of $5.00 to $9.99, there will be a $5.00 fee assessed to the checking account. For an overdraft amount of $10 or greater, there will be a $35 fee assessed to the checking account. Any overdrawn amount must be paid back within 30 days. If the checking share remains negative more than 30 days, the Courtesy Pay privilege will be revoked for future use. Also, online banking, telephone banking and debit card availability will be cut off. If the checking share remains negative beyond 45 days, the checking share will become charged-off. These are not the only circumstances under which Courtesy Pay may be terminated, and Member One FCU reserves the right to revoke privileges, permanently or temporarily, at any time and to deny the payment of any transactions without prior notification. When a checking share has been brought positive from a negative state, the member must wait 24 hours before again using the Courtesy Pay.

*** Carrier data rates and may apply.

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Open an Account!

Find out just how much our members love their accounts, and experience it yourself.