Checking Accounts

• No direct deposit required
• Free online banking
• No monthly fee for bill pay
• Free online check images
• No minimum balance required
• One free check order per year (members age 60+)
• Free premium debit card (upon approval)
• Unlimited transactions
• Special promotions
• Eligibility for a Premier One Money Market Account

 For a complete list of fees and disclosures, click here.

As a holder of one of the Premier One checking accounts, you get a lot of great added benefits, including:

• Travel and leisure membership* from thousands of local and national businesses, including hotels, restaurants, car rental companies, and movie theaters (available online only).
• Health discount savings* on prescription drugs, vision (including contacts, glasses, eye exams, and LASIK surgery), and dental services (including checkups, oral surgery, and orthodontics). This is NOT insurance.
• Buyer’s protection ² and extended warranty ²  on items you buy using your Premier One checking debit card. Items are protected against accidental damage, fire, or theft for up to 90 days from the date of purchase. Item(s) must be purchased entirely with this account
• Cell phone protection². You can be reimbursed up to $400 toward the cost of replacing or repairing up to 4 cell phones that you pay for using your Premier One account.
• IDProtect^{® 1}, which includes fully managed identity-theft resolution services¹ and up to $10,000 in identity-theft expense reimbursement²

Additional details about these benefits from checking accounts are listed below.

*Registration/activation required.  See details below.

According to Javelin Strategy & Research, there were 16.7 million identity fraud victims in 2017—an 8 percent increase from 2016.

Identity thieves are getting craftier, which is why we include IDProtect^® with Premier One checking accounts.

IDProtect^®1 benefits include:

• Up to $10,000 identity theft expense-reimbursement coverage² for expenses associated with restoring your identity.
• Fully managed identity theft resolution services, including access to a dedicated fraud specialist who will manage your case until your identity is restored.
• Debit and credit card registration. *
• Identity monitoring (over 1,000 databases). *
• Online identity theft news center plus valuable phone and web resources. *
• 3-in-1 Credit file monitoring³ and automated alerts of key changes to your Experian, Equifax, and TransUnion credit reports. *
• 3-in-1 Credit report – request a new 3-in-1 report every 90 days or upon opening a resolution case. *
• Credit score*– receive a new single bureau credit score with every new credit report. A credit score is a VantageScore 3.0 based on single credit bureau data.  Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

*Registration/activation required.

Most cell phone warranties only cover manufacturing defects. What if your phone is stolen or damaged? As a holder of one of our Premier One checking accounts, you can be reimbursed for up to $400 toward the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad, and covers up to 4 phones that you pay for with an eligible Energy One account.

This one benefit alone is worth the nominal $4.95 Premier One monthly account fee, which is less than what you would pay for a typical insurance plan on one cell phone.

With Premier One checking accounts’ Debit Advantage^®, your purchases are protected against accidental breakage, fire, or theft for up to 90 days from the date of purchase. Debit Advantage also extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases (if the warranty is less than five years).

Item(s) must be purchased entirely with an eligible Energy One account.

Travel and Leisure Discounts Membership* – Premier One checking accounts are also big-time savings accounts. Discounts from thousands of local and national businesses are available, including restaurants, hotels, car rental companies, and even movie theaters. You can access coupons online to print out or redeem using your mobile device.

Healthcare Discount Savings – Enjoy savings on a variety of healthcare services, including:

• Prescription drugs – Save an average of 24 percent on brand-name and generic prescription drugs. Cards for our checking accounts are welcomed at approximately 68,000 pharmacies nationwide. This is NOT insurance. (Registration/activation required. Available online only).
• Vision – Get up to 60 percent off eyeglasses, contact lenses, and other retail eyewear items through a network of over 20,000 eye-care professionals nationwide, including JCPenney, LensCrafters, Pearle Vision, Sears Optical, and Target Optical. In addition, save 10-30 percent off eye examinations and 40-50 percent off the national average price for LASIK surgery.  This is NOT insurance. (Registration/activation required).
• Dental – Receive significant savings on dental care expenses through one of the most recognized networks of dental providers nationwide, with access to over 58,000 providers. You can save up to 50 percent on dental services and expenses through our checking accounts. Discounted services include routine and preventive care and more extensive treatments such as crowns, fillings, dentures, oral surgery, and even orthodontics (braces) and some cosmetic dentistry services. This is NOT insurance. (Registration/activation required. Available online only).

*Registration/activation required. Available online only.

Already have a Premier One account? Register now to access the benefits.

Register Now

No access code? Call 918-699-7100 or message us through secure online bank messaging.

Not a thing. We’ll make the conversion to the new Free One Checking for you.

No. You keep your same Energy One debit card, account number and account log-in information.