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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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Visa® Debit Card

Your Member One Visa Debit Card lets you shop anywhere Visa is accepted. With the added security of Visa, you can conveniently withdraw cash from thousands of ATMs.

Enjoy great benefits:

Instant WIN

Open a Member One checking account at any of our retail centers and receive your debit card on the spot!

Digital Wallet

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

Easy Cash Access

Use your Member One debit card at our network of more than 55,000 surcharge-free ATMs worldwide.

Security Features

With zero liability on fraudulent charges, around-the-clock fraud protection, emergency cash and card disbursement to help you in a pinch, and lost/stolen card reporting, Visa and Member One are committed to keeping your information safe.

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

Other great Benefits:

Card Controls

With your Visa Debit Card, you can receive real-time fraud alert text messages, set up reoccurring payments, enroll in e-Statements, and submit travel notifications.

Visa Perks

Visa Purchase Alerts

Once registered, you can get alerts to help you identify purchases that may be related to fraudulent activity. You can also track your spending in categories you select and be alerted when international purchases, online or phone purchases, declined purchases, and more are made on your card.

Visa® Account Updater Program

Visa Account Updater provides you with a seamless transition when your Member One credit card expires or is replaced. This service automatically updates the card number and/or expiration date with eligible merchants or service providers that store your card information.*

Visa Secure Remote Commerce (SRC)

With Visa SRC, we’re bringing you the next evolution of online buying so you can pay the easy, smart way. Once you register, you'll no longer have to enter 16-digit primary account numbers, look up passwords, or fill out long forms to make a purchase online with participating merchant that accept Visa credit or debit.

*Not all merchants and/or service providers participate in this program. Contact Member One to verify if a specific merchant and/or service provider is eligible.

** 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.

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Apply Now

Current members, apply by logging into Online Banking or by calling 800-666-8811.